How can there be a 108/99 point difference in my credit scores?
swnkygirl asked:
My TransUnion score is 108 pts. higher than Exp. and 99 points higher than Equi. Yes, I have been over my credit reports 100 times. The info on all 3 is EXACTLY the same, except for one paid debt in the amount of $44 from 6 years ago that’s listed on Exp. I actually monitor my scores every day to see if they catch up. There are no discrepancies among the 3 bureaus, and nothing being reported on one that’s not on the others with the exception of the paid item mentioned above. I realize there will be differences in scoring and that they use different models, but 100 points??? How can I get Exp. and Equi. closer to TU’s score??? Thanks in advance for your help!
Nicole
My TransUnion score is 108 pts. higher than Exp. and 99 points higher than Equi. Yes, I have been over my credit reports 100 times. The info on all 3 is EXACTLY the same, except for one paid debt in the amount of $44 from 6 years ago that’s listed on Exp. I actually monitor my scores every day to see if they catch up. There are no discrepancies among the 3 bureaus, and nothing being reported on one that’s not on the others with the exception of the paid item mentioned above. I realize there will be differences in scoring and that they use different models, but 100 points??? How can I get Exp. and Equi. closer to TU’s score??? Thanks in advance for your help!
Nicole
Jason
My TU and Experian are 60 points higher than my equifax too. I have had 100 point differences though too at some points. Also check inquiries. When credit companies do inquiries on you, they seem to use equifax and experian more than TU and too many inquiries can drop your score.
Leo
Transunion high score is 900
equ, and exp rate up to 850
The other answer to your question, not ever one reports to all three CRA, so you might look and see if any of your negative accounts or collections only reports to Equ and Exp.
Dana
Like somebody else already said, not only do all 3 bureaus have a slightly different scoring model, but they also have different scales, wherein the high and low scores aren’t exactly the same. If one’s high score is 50 points higher than the other one’s, then obviously their middle score is also going to be (about) 50 points higher as well.