Why is my Experian score about 30 points lower than my Equifax or TransUnion?
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Barrabas_6025 wants to know:
It’s been this way for a few years. The only difference i see from glancing at the accounts is that the Equifax has more inquires in the last 2 years (5) than the other two (they have 3 and 2). Would that knock it down by 30 points? Or does Equifax just score lower?
It’s been this way for a few years. The only difference i see from glancing at the accounts is that the Equifax has more inquires in the last 2 years (5) than the other two (they have 3 and 2). Would that knock it down by 30 points? Or does Equifax just score lower?
The scores range from 770 to 803 so I’m not worried about being denied credit — I am just curious.
Thanks in advance.
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You are right not to worry. As I do not worry at all about Experian nor about Equifax. These two things are alien to me.
All 3 companies usually give 3 different credit scores. The companies score differently. Usually, when getting a loan, banks only use the middle number, so you don’t have to worry about it.
Here is why Credit Bureaus have different scores.
Go to CreditScoreQuick and select the article on this date:
Saturday, March 15, 2008
For starters, are you getting FICO scores from all three credit bureaus. Equifax uses FICO but the other two have their own system with a completely different scale.
Second, creditors may not report to all three credit bureaus. They also report at different times so the information varies.
It is completely normal for all three FICO scores to be different.