Experian has conflicting FICO score with Cozy?

[Summer Noyes]

Hello All,

I have my first rental and decided to go with Cozy. Not sure how I feel about it so far. My biggest concern is that I encourage my applicant to first check their free credit score directly at Experian to make sure it meets our minimum score required. I had one such tenant do that and she confidently applied. Yet when she ran her credit check through Cozy (who uses Experian), literally 3 hours later her credit was 39 points less than what Experian gave her directly. She showed me a screenshot to verify. Has anyone ever had this happen or does anyone know why it might happen? I'm having her get another credit check through TransUnion as the tie-breaker of sorts. I'm just concerned because a number of my applicants have come back with FICO scores pretty close to our requirements and now I'm wondering if they were really higher. I have reached out to Cozy and I am waiting to hear back. I've also encouraged her to reach out to Experian. Thanks in advance for any input.

[Russell Brazil]

You have dozens of different Fico scores.  See my post here about it.

https://www.biggerpockets.com/forums/519/topics/843955-whats-your-credit-score