Janet had to increase her mid-FICO® score three points to qualify for a mortgage. Her Equifax FICO score was 646, her Experian FICO score was 637, and her TransUnion FICO score was 631. She opened a new account that lowered her TransUnion FICO Score to 627, while also raising her Experian FICO Score to 643. (Her Equifax FICO Score stayed unchanged), She now qualified for a mortgage with her 643 mid-FICO Score. Why are your 3 FICO Scores different? This is a very good question.