Is this true or do they just want me to pay extra to check the other agencies ??
2007-11-06 07:36:32 · 9 answers · asked by Anonymous in Business & Finance ➔ Credit
I've done that 'free' one in the past for all 3 agencies and yes it gave me a report but no score.. For years I had no idea what my score was so finally I just paid $15 for Experion..
2007-11-06 08:03:27 · update #1
I went to freecreditreport.com and paid the extra money for the other 2 agencies and my score was like a few points different and that is just how the different agencies score you. Dont do it, its a waste of money. Its gonna be roughly the same and all creditors pretty much report to all three so DONT DO IT
2007-11-06 07:42:22 · answer #1 · answered by kalukakalaka 2 · 0⤊ 2⤋
credit score experian major differences 3 agencies
2016-02-03 03:35:52 · answer #2 · answered by Charley 5 · 0⤊ 0⤋
Yes, it is true. Unfortunately, not all lenders/creditors use the same reporting agency therefore each agency could have different information on you.
You can however purchase a 3-in-1 report on-line. This will include information from Equifax, Transunion and Experian.
One of the providers for this type of report is credit.com
https://www.credit.com/ufg/credit.com/truelink_3
This is unfortunately not available in Canada though, so if you're a Canuck like me, you're out of luck!
2007-11-06 07:43:00 · answer #3 · answered by Angie_B3 2 · 0⤊ 0⤋
Yes there are always differences. Some creditors belong to different agencies and not all three. Some make errors. Your score could be different with all three also. They always use the mid score ..
2007-11-06 07:40:53 · answer #4 · answered by trop 4 · 2⤊ 0⤋
the score on all three are never the same and experian is usually what agencies use ..If you find things you want disputed on your credit then you should check all three otherwise i dont think there's that much of a difference
2007-11-06 07:40:24 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Yes, there will be differences.
First: each bureau uses its own formula. (Actually, each bureau may have multiple formulas, depending on who is asking. A car dealer might want a "car loan" score rather than the standard formula.)
Second: each bureau processes only the data it has through the formula. Not all creditors report to all three bureaus.
2007-11-06 07:43:50 · answer #6 · answered by Ted 7 · 0⤊ 0⤋
they each have different ways of computing scores and they do not all have the same info. They are trying to make the process uniform but that may take a while.
2007-11-06 07:41:38 · answer #7 · answered by Brad H 3 · 0⤊ 0⤋
Actually this is very common, I look at credit every day and a 100-point spread is not uncommon at all between the three credit bureaus.
2007-11-06 07:43:18 · answer #8 · answered by ? 7 · 2⤊ 0⤋
I hope you didn’t pay *anything* for your score. Federal Law allows you to check all three scores once per year for free.
https://www.annualcreditreport.com/cra/index.jsp
2007-11-06 07:43:05 · answer #9 · answered by Anonymous · 0⤊ 3⤋