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Equifax: 829/Transunion: 545/Experian: 564

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Anonymous
Not applicable

Equifax: 829/Transunion: 545/Experian: 564

How could this possibly be?Transunion and Experian have me almost 300 points lower than Equifax. 

 

FWIW, Equifax reports my FICO at 624. 

 

Please help

Message 1 of 6
5 REPLIES 5
llecs
Moderator Emeritus

Re: Equifax: 829/Transunion: 545/Experian: 564

Where did you pull the 829/545/564 scores from?

 

Have you pulled your TU FICO score from here yet?

Message 2 of 6
Anonymous
Not applicable

Re: Equifax: 829/Transunion: 545/Experian: 564

I pulled these scores from Transunion's site: Truecredit.com

 

I have not pulled the TU FICO from this site yet. 

Message 3 of 6
Anonymous
Not applicable

Re: Equifax: 829/Transunion: 545/Experian: 564

True Credit reports come with Vantage scores. Vantage uses a scale with a maximum of 990 and different weighting of factors, so it wouldn't be too extreme to see a Vantage score 150-200 points (or more) higher than the comparable Fico score ...

Message 4 of 6
Anonymous
Not applicable

Re: Equifax: 829/Transunion: 545/Experian: 564

So, is the Equifax FICO of 624 a more accurate CS? 

 

I have documented with Transunion 2 errors in their report, and their response is pending. 

 

My CS on freecreditreport.com, which is an Experian site, is 642. 

 

Wanting to apply for an auto loan. My DTI is 1%. Will I be approved, and at what rate? 

 

 

 

 

Message 5 of 6
MarineVietVet
Moderator Emeritus

Re: Equifax: 829/Transunion: 545/Experian: 564

 


@Anonymous wrote:

So, is the Equifax FICO of 624 a more accurate CS? 

 

I have documented with Transunion 2 errors in their report, and their response is pending. 

 

My CS on freecreditreport.com, which is an Experian site, is 642. 

 

Wanting to apply for an auto loan. My DTI is 1%. Will I be approved, and at what rate? 

 

 

 

 


More bad news.  Smiley Happy  This is not a FICO score. It's called a Plus score. No one has been able to pull their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com (If you look hard enough) and your Transunion score at www.transunioncs.com.

 

 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
6/10 TU -772

You can do the same thing with hard work

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Message 6 of 6
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