Can be significantly different than your FICO Scores. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s; As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. 10% types of accounts, known as credit mix. Data Collected. My mortgage broker said because of the 588 score, I wont even get an offer from her 30 lendors so she said it's probably not worth even applying/trying until I get that to an even 650 on Equifax. If you have many recent inquiries, lenders may assume that you are having financial problems. Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores from TransUnion, Experian and Equifax credit bureaus can be so. This is free. In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. They might also weigh your information differently depending on the type of credit account for which you've applied. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. I don't understand how they can be different by 30 points, let alone. It's also the least friendly to those just starting out building credit. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. Variations in the data reported by creditors and lenders, as well as. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model . This model scoring scale starts at 300 (the lowest) and caps at 850. FICO. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. And even if a lender reports your credit information to both bureaus, they may do so on different dates, meaning your credit score could be up-to-date with one bureau and out. A one-time report from a single credit bureau, whether it's Experian, TransUnion, or Equifax, costs about $20, though you can get a report from all three for $60. This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Second, Experian considers a different. Using a variety of factors, the company will give you a three digit score ranging from 300 (lowest possible) to 850 (highest possible). There are a number of reasons for this. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using with a range of 300-850. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on). Only Credit Report costs Rs. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. Some lenders only report to Experian or Equifax. Edit: The reason Credit Karma is stating for the low score is a combination of a high number of hard pulls and that my average account age is too new. All you need is to follow the steps below: Login to your CIBC account on the mobile app. It's a good idea to take advantage of this every year, to check that everything is accurate and. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. See your credit utilization rate details for each bureau. Good habits, such as making payments on-time and using less of your available credit, among others, can help you improve your credit health over time. VantageScore 3. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. Legally you are entitled to request a credit report from Transunion and Equifax one time a year. Right there your credit score will appear. Don’t be worried if that’s the case. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. We would like to show you a description here but the site won’t allow us. 5 reasons your FICO score may be lower than your credit score. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. 164 (including taxes/handling charges). It also impacts your cost of borrowing. 5/5 (35 votes) . Partly because FICO makes many scoring models, and also because the data that goes into the model could come from three different places. In addition, TransUnion reports your employment history and personal information. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. They. 1 Credit Report with credit score costs Rs. Scores range from 300 (very poor) to 850 (exceptional). Some report to all three. com and my transunion fico score is WAY lower than my Equifax fico score. VantageScore – it began in 2006 and is what Credit Karma uses. When I asked the lender about this, they said my score was 670. Why is Experian score lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Can someone tell me why the MyFICO TU score is 59 points. FICO® Score 8 may punish numerous late payments more severely than previous versions. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. That's funny. ”. FICO® Score 9 looks at medical debt, paid collections and rental history differently than previous versions of the FICO® credit-scoring models. I just pulled my Transunion and Equifax FICO scores from myfico. The Equifax is not a FICO score. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. Why is my Experian score so much lower than Credit Karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Yes. In my experience, I've found Equifax is generally more thorough than Transunion. Under the menu, click on “free credit score”. Some lenders only report to Experian or Equifax. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. Both companies collect credit information on individual consumers, which they sell to lenders and. The other two only show one credit report and the name of your employer and do not add any weight to that fact. A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711. Generally, the credit bureaus collect information from different sources and have their own scoring model. While it is possible for you to have only one credit score, it's unusual. FICO credit scores have the following ranges: Below 580 = Poor. Would these all be the same? Not necessarily. Transunion: 676. 0). We’ll explain what a credit bureau is, why Experian, Equifax, and TransUnion show different scores, if one bureau’s score matters more than the others, and ways to improve or build your credit score. In general, good credit scores can make it easier and cheaper to borrow than low credit scores. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. Score: 4. Yes, equifax and transunion from credit karma so vantage score 3. Or, if you have an account that is incorrectly reporting a late payment, then this will cause a huge hit to the payment history portion of your score. Here’s why. Very good: 740 to 799. Highlights: A credit score is a three-digit number designed to represent the likelihood you will pay your bills on time. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. The score from Experian is FICO 08 scored as well. VISIT SITE. This month I've had two statements reported on Feb. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores. Credit Karma for credit score accuracy, you may want to understand first why you have multiple credit scores — and how your scores affect your financial progress. There are a number of reasons for this. The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. A creditor could be reporting your payments to just one or two of them, instead of all three. first time posting on here! I have pulled my credit reports from TU (743) and EQ (721) and having a WalMart CC have also pulled my FICO score there (684). Your Equifax credit. It however is still being marked as an open collections account. Say you have a loan from a lender that only reports to TransUnion. Why is my Equifax score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. It's also the least friendly to those just starting out building credit. You may have a different score with each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian). The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Depending on what your scores are, you may wonder what they mean. 0 adopted the same. 0 and 2. . I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. All consumers are entitled to one free. Why is Equifax always lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Why is my Experian score so much lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. I wouldn't doubt if my EX score was 100 points lower than my TU or EQ scores. There are many different types of credit scores and scoring models. One uses FICO Score 9 based on data in my Equifax credit file. 95 per month to $19. The other two only report the name of your employer and do not add any weight to that fact. But remmember too that those scores are only about 7% apart. Here are the services that. Identity Guard. Both hard and soft inquiries appear on your credit report, but it’s the hard inquires, those related to applying for credit cards and loans, that affect your score. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. The higher the number, the more trustworthy the consumer appears to be. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. FICO and TransUnion’s New Account Score ranges from 300 to 850; Vantage, from 501 to 990; Equifax’s is between 280 and 850 and Experian ’s is 330 to 830. Credit Karma says it's using Equifax and Transunion, and both of these agencies are showing similar scores. Why is my TransUnion score so low compared to Experian? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and. 590 on Experian, 651 on Transunion, exact same information for both. One place to look is derogs. For example, let's say you're going to buy a house. Mostly just confused why the transunion would have gone down regardless of the model used. Credit Karma is a user-friendly online service that offers free Vantage 3. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. Why Is My Equifax Score Lower Than TransUnion? The lower Equifax number is a common concern for many people. Note that a credit report =/= credit score. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. 590 on Experian, 651 on Transunion, exact same information for both. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. The average VantageScore 3. This may be a silly question but how come my Experian score is so much more different than my Equifax and Transunion scores? I get that they vary a little depending on the credit reporting company but my Experian score is drastically lower than the other two and I'm not sure why. 0. Why is my Equifax score 100 points lower than TransUnion? You might expect all of your credit reports and scores to be the same, but they are usually not. Why is TransUnion so much lower than others? Equifax and TransUnion have different scores because slightly different information is reported to each credit reporting agency. The CRA each calculate their scores uniquely so they do tend to move differently for different things. . My FICO went up like with the equifax reported by credit karma. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. Taking a 290K loan, I have been paying $1900/month for almost 1. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. The other two only report the name of your employer and do not add any weight to that fact. Meanwhile, VantageScore 3. Equifax. Why is my TransUnion score way lower than Equifax? The credit bureaus may have different information. They’ll be in red and in order of importance. My Transunion score is in the tank though at around 567. The FICO scores are MUCH LOWER than the actual Equifax and TU scores. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Here are some reasons a score can drop: Using more of your available credit. FICO 8 is more. Credit Karma uses a different scoring system than the one mortgage lenders use. 0 scoring model. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. Since then TU has been the laggard of the three most of the time. ”. 5. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. Both of these credit bureaus use a dynamic scoring model, but the weight they put on each variable varies. 0, which Credit Karma uses. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. 580-669 = Fair. The above actions will provide the necessary details needed by TransUnion to recalculate your score using your new address details. Score: 4. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. You are accessing the "consumer" credit report. Why Is My Experian Score So Much Lower Than Transunion And Equifax. Conversely consumers with lower FICO scores at bureau "A" will likely get low FICO Scores at the other two bureaus when the underlying data is the same across the bureaus. Why is my TransUnion and Equifax score different? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. I thought 900 was a hypothetical score, like someone bowling 300. They are two different companies that offer two different, albeit similar, products. com. I will update these charts on a monthly basis and make notes of any. Equifax, Experian and TransUnion are the three credit bureaus responsible for reporting your credit score. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. It is really affecting me getting an auto loan. TransUnion offers a similar product to Experian Boost. This includes an. However being under 700 on one while being over 800 on the other is unusual. FICO is used in about 90% of lending decisions. In addition, late payments remain on your Equifax credit report for seven years. 1. ). When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. That applied to both individuals and family plans. Consumers normally do not have a single score but rather many credit scores. Each company uses their own proprietary means. 0 and 2. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. 0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. For instance, if you have a credit card with a $1000 credit limit reporting as a $100 credit limit, this could cause a big hit to your credit utilization ratio. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. 1. Equifax vs. That’s because the lender may be using a FICO score based on data from a different credit bureau. Not all lenders report to the other two. Equifax and TransUnion scores can only be as accurate as the information they receive. Financial Smarts Transunion vs Equifax TransUnion® Vs. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. In other words, your credit utilization rate is how much of your available credit you’re using at any given time. . One of which is that they use different algorithms to calculate your credit score. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days. Borrowell pulls data from Equifax and CreditKarma pulls data from TransUnion. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. A higher score means lower risk and vice versa. Even if the two bureaus received. FICO scores are calculated based on five categories that each make up a percentage of your score: 35% payment history. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. 0 in July 2021 was 693. First things first. Instead, we work with Equifax and TransUnion to. Fair: 580 to 669. Although FICO and VantageScore use the same data, they process. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. 0 Kudos. They have change slightly since I originally post the. An Equifax credit score is a traditional credit score that will range from 101 to 992. Each company has its own method of collecting financial information. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. The basic FICO credit score range is 300 to 850. On the next page, click on "Equifax Credit Report & Score. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. . The lower Equifax number is a common concern for many people. TransUnion is bringing up the rear among the three. The VantageScore model wasn’t introduced until 2006. TransUnion is bringing up the rear among the three. Takedown request | View complete. They use different formulas to calculate your credit score. If we didn't, seemingly normal credit usage today would be considered a higher risk than in years past. The other two only report the name of your employer and do not add any weight to that fact. TransUnion: Credit Rating. There is now, an almost 50 point difference, in the negative, between my Transunion score and the others. This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Suzanne Kvilhaug. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. My Transunion scores have always been the highest of the three. A credit score discrepancy is a difference in your credit score from one credit bureau to another. It can certainly explain why your EX score is very different than the others. Why is my TransUnion score lower? Your credit scores are calculated using information in your credit reports, so it's normal to see your score change as lenders provide updates to that information. ERS 2. A few inquiries a year is normal, but may cause a temporary drop in your credit score. So here is my situation: In August 2010, I bought a house at lower 300K and paid 10%+ down, thus having PMI over $100+/month. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher. On top of that, these credit reporting agencies use different scoring models to produce credit scores. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. These scores are not provided by Credit Karma. My Equifax is more than 100 points lower than my TU score. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. Message 2 of 8. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Would love to know the answer! Hello - 1303709Understanding credit score ranges. 03-29-2007 08:24 PM. High balances in comparison to credit limits can affect credit scores, and are a common reason for credit scores to fluctuate. FICO scores are generally calculated using five categories of information. Why is my Equifax score lower than TransUnion? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Equifax comparison, both rely on some of. Why is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit reports. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. I'm at 705 TransUnion, but I'm at 588 on Equifax. 3 Bureau Credit Report & FICO Score: For $39. Though both TransUnion and Equifax do the same thing (calculate your credit score), they do it in different ways – which means it’s not unlikely that your credit score may be slightly different between the 2 companies. Score: 4. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. These factors are likely to. They’ll likely be slightly different, and it’s possible they could be very different. First, lenders often perform what’s known as a credit check or a hard inquiry to review your credit reports and determine if you’re a suitable candidate for a loan. 95 a month. This could lead to a person having a relatively lower score on Experian compared to the two other bureaus. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. Additionally, your score may fluctuate over time due to changes in your credit report. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. There are two plans available: eCredable Lift for $24. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. 0 and 4. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. Re: Equifax Score Not Updating. Why is my Equifax score so low? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. Lenders are generally checking your FICO score, which is yet again different than either the Equifax or Transunion. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. This factor can affect your credit scores even if you pay your credit cards off in full each month. It should just be math. If you have any credit accounts, such as credit cards or loans, you have a credit report. 0 scoring model. Most banks use FICO scores. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. But rather than comparing Equifax vs. The other two only report the name of your employer and do not add any weight to that fact. The other two only report the name of your employer and do not add any weight to that fact. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. The first two versions of the VantageScore ranged from 501 to 990, but the latest VantageScore 3. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. FICO. Credit bureaus are companies that collect consumer credit information. Why is my TransUnion score so much lower than Equifax? The credit bureaus may have different information. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. The other two only report the name of your employer and do not add any weight to that fact. WHY?? This makes no sense to me, if FICO is derived from Equifax and TU how. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. Similar numbers. " 03-23-2012 12:19 AM. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your. The only difference is that I have a single collections account reporting which is bogus. Yes we display your Equifax credit score. Tackling those reasons will help improve your score along with practicing good credit behaviors. By law,. On Credit Karma, my score are 797 and 806 for. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. The FICO Score ranges from a low of 300 to a high of 850. TransUnion 30%. Like, TransUnion and Equifax both get told about all your credit lines and debts, so they should both have all that data. . 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alerts Go to TransUnion’s site and submit a new dispute. 10% new credit. Credit score of 846 out of 999. Similarly to. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Your VantageScore® 3. Higher credit scores generally result in more favorable credit terms. The lower Equifax number is a common concern for many people. Experian. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. Your student loans might affect your credit scores in several different ways. I signed up for experians free credit report which includes your actual FICO score - I really wanted to know this number as I've read that Chase uses Experian scores for ecredit consideration and I was recently rejected for a Chase Saphire card. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. Cost of the Report. TransUnion. 45. TransUnion is bringing up the rear among the three. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you’ll see wide credit score. Equifax Any site that compares numbers and does a bunch of data-crunching will probably have their. A “good” score may rest in the 661 – 720 range. Why is my Equifax score lower than TransUnion? The credit bureaus may have different information. That applied to both individuals and family plans. So if Equifax has access to different information about your credit than TransUnion, your scores from each of the bureaus might also be different. If all is well, each agency should have all of your information identically. Along with educational articles, it offers several loan and mortgage calculators. 30% total debt. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. TransUnion is bringing up the rear among the three. Their behavior is governed by the FCRA. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. Comparing TransUnion vs. One of the most evident differences between these two bureaus is that Equifax scores range from 280 to 850, but TransUnion scores range from 300 to 850.