My score for Experion is 680, should I expect the same with Equifax and TranUnion.
2006-11-08 05:31:56 · 13 answers · asked by Jaleßi 3 in Business & Finance ➔ Credit
I have been dealing with peoples credit reports for almost 10 years and I have never seen al 3 bureaus the same. I have seen over a 100 point difference so take a look at all of them. I know that mortgage companies will use the mid score and car dealerships will use the highest score.
2006-11-08 05:57:08 · answer #1 · answered by rimoneyman 2 · 0⤊ 0⤋
No they are almost never the same. Every one uses a scoring module. Each is different. Also a company may not report to experion but only to equifax. So if it is a bad mark then can pull scores down. I have looked at credit reports for about 10 years and I have seen as much as a 125 point spread in scores. That is why most lenders will use the middle score when grading your credit.
2006-11-08 05:37:26 · answer #2 · answered by golferwhoworks 7 · 0⤊ 0⤋
You should expect the three agencies to give slightly different scores, but most credit granting organizations will look at only one. Your score, typically a Beacon Score or FICO score uses info gathered from slightly different sources. You can get all three and compare the info on each at freecreditreport.com
2006-11-08 05:35:12 · answer #3 · answered by Todd E 1 · 0⤊ 0⤋
You should expect them to be reasonably close, but should check just in case.
Try www.annualcreditreport.com which is the only site I know of where you can get all 3 reports for free once every 12 months.
2006-11-08 05:35:36 · answer #4 · answered by Trust no 1 3 · 0⤊ 1⤋
Yes, and quite often there will be varying reports of each agency/company you have credit with and liens/judgments/bankruptcies. That's why it's important to check all three and make sure they are recording and reporting good and true data.
2006-11-08 05:36:33 · answer #5 · answered by onottopilot 4 · 0⤊ 0⤋
They usually differ. Make sure you get copies of all three to make sure the information is correct. When you apply for credit only one of the three is used, so info is reported differently.
2006-11-08 05:35:02 · answer #6 · answered by kayjay 4 · 0⤊ 0⤋
In some cases they may be off by a slight difference of +/- 1 point.
2006-11-08 05:34:00 · answer #7 · answered by Anonymous · 0⤊ 1⤋
http://www.annualcreditreport.com You can find out yourself, for free. All three of my scores were different.
2006-11-08 05:36:59 · answer #8 · answered by amy02 5 · 0⤊ 0⤋
They will all be different because different companies report to different creditors.
2006-11-08 05:34:19 · answer #9 · answered by hot like me 3 · 1⤊ 0⤋
they will all be different. 3 different bureaus 3 different scores. they have different criterias.
2006-11-08 05:40:55 · answer #10 · answered by Anonymous · 1⤊ 0⤋