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Re: 50+ point spread across 3 bureaus?!?
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50+ point spread across 3 bureaus?!?
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FN
Visitor
Posts: 3
Registered: 05-14-2007
Message 1 of 3
Viewed 23,006 times
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I've had the score-alert thing going on Equifax for the past year plus and dutifully each month the service comes back with a score in the 700-710 range. Then today, for kicks, I got a report (through MyFICO) for the other two services. So the three reports on the same day gave me: Equifax - 708 Experian - 714 TransUnion - 760 That seems like quite a spread to me. Since you never know which service someone will use, what to do about this? Is the spread normally this large?
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12-24-2007 06:18 AM
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Re: 50+ point spread across 3 bureaus?!?
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cobra19
Super Contributor
Posts: 1391
Registered: 07-24-2007
Message 2 of 3
Viewed 23,001 times
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Remember not all creditors report to all 3 bureaus. That, and the fact the 3 bureaus each use different scoring models, can easily account for the 52-point swing. Before applying for a card, or a loan, ask the creditor which report they pull.
New York Yankees - 2009 World Series Champions. 27... and counting.....
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12-24-2007 06:24 AM
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Re: 50+ point spread across 3 bureaus?!?
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MidnightVoice
Super Contributor
Posts: 7572
Registered: 03-25-2007
Message 3 of 3
Viewed 22,988 times
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FN wrote: I've had the score-alert thing going on Equifax for the past year plus and dutifully each month the service comes back with a score in the 700-710 range. Then today, for kicks, I got a report (through MyFICO) for the other two services. So the three reports on the same day gave me: Equifax - 708 Experian - 714 TransUnion - 760 That seems like quite a spread to me. Since you never know which service someone will use, what to do about this? Is the spread normally this large?
Not a really big spread - I have suffered worse! My EX is currently more than 50 points below my others because it is the only CRA that calls a HELOC a CC.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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12-24-2007 07:07 AM
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