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Old Sep 5, 2016 | 8:48 pm
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sdsearch
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Originally Posted by kvb14
lways pay on time, in full each month, score usually in the 820's - 830's range.

[...]

Second page reports my Experian score as 778. I check my score ALL THE TIME on AMEX, Discover, etc and have never been below 800.

[...[

1) Where did the 778 come from ???
Welcome to FlyerTalk, kvb14.

Experian uses a different credit scoring method and scoring scale than TU (which is what Discover, Barclay, and several other banks that give you your "credit score" use for your online credit score) uses.

It's normal for your credit score on Experian to be smaller number than your credit score at TU. It does not mean that Experian think you're a worse credit risk, just that they "calibrate" their credit scores differently than TU.
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