How come 1 credit report shows score of 733 and another shows a low 600 score?

Answer 1

Not all companies report to all three. I am betting that transunion is the extreme score if you have pulled all three. It is typically the agency that is passed up if they are not going to report to all three. Different types of pulls give different scores. For example, mortgage pulls are different than auto loan pulls.

Answer 2

This is totally normal. Not all of your accounts report to all three bureaus. Some report to one or two...very rarely do they report to all three (it costs companies money to have a reporting relationship with the bureaus). What's more - the credit bureaus do not share information with one another either. Let's say your Visa reports to TransUnion and Equifax. You pull your reports and you see that TransUnion has your Visa balance at $600, Equifax has it listed as $1,000 even though the $600 is right. They sometimes have outdated informtion and because the accounts and date of info varies, the scores vary.

Answer 3

Believe it or not, this is not uncommon. I look at credit all day long and a point spread of 100+ points is pretty common.

This is due to several things, all lenders do not report to all three credit bureaus, some do not report at all and they each have their own method of calculating your score.

This is the reason that in my business you must know which bureau each of your lenders look at so you will know where to send people and get them approved.

Answer 4

not all creditors contact the credit beruals