Credit score differences. I checked transunion it was 620 and then i checked experian it was 530?

Question

what the heck it that about is there a website i can go to get all three scores without having to buy the reports. im wondering what my third score says. ive already got my free credit reports this year..so thknks

Answer 1

the numbers may be a bit different, but read carefully your score and the explanation surrounding it. somewhere it should state the % of ameriican who have a higher or lower score than yours...this is the best way to compare and usually the % are nearly the same...for example, my two scores differed by 50 points, yet both said i was in the top 90%

Answer 2

Most banks and other lending institutions use the FICO score.
Equifax uses the FICO score, while TransUnion and Experian use their own scores.

A 3 agencies have talked about having one score called the Vantage Score.
Here's a link discussing it...
http://www.vantagescore.com/
It has not quite caught on yet, but it will really help with all the confusion when it does.

You can get your FICO score at
http://www.myfico.com/
You will have to pay for it.

Answer 3

Generally, there should only be no more than a 30 point variance between your highest and lowest score. That is normal. A 90 point variance between your TU and EX scores suggests there may be an error in your EX credit report. I would order it and look at it very carefully.

Answer 4

Unfortunately, you do have to pay the credit bureaus if you want your scores.
The scores will not be the same as your creditors (the companies you have accounts with) do not always report to all three bureaus. They have different information.
What's more, their scoring scales are not the same. You should actually be worried if your scores are all the same.

Answer 5

You should. There are often differences.

Answer 6

This may be feasible

Answer 7

Well, it depends..

Answer 8

Most people don't understand that there are three credit bureaus Equifax, Transunion and Experian, all three have different ways of calculating your score and not all lenders report to all three bureaus.

Add to this the fact that there are three different types of bureaus;

1. Standard, this is the one you get on line.

2. Auto enhanced, this is the one that car dealers and auto lenders look at.

3. Factual, this is the one that mortgage companies look at.

Add all of this together and it's possible for one person to have nine different credit scores.

I look at credit every day and a 100-point spread is not uncommon.