credit bureau differences

[Anonymous]

Does anyone know which credit bureau on average rates your the highest, because i though i read once that transunion usually rates higher than the other two?? anyone know?

ready4home

[williasn]

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@Anonymous wrote:

Does anyone know which credit bureau on average rates your the highest, because i though i read once that transunion usually rates higher than the other two?? anyone know?

ready4home

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TransUnion is my highest score..... but it goes between Experian and Trans. My Equifax is the lowest because they don't list all my accts. I used to live in the Midwest and my report was under CSC (which is there affiliate i guess)- once i moved to the south it changed to EQ (thank goodness). But still they have just about 1/2 of the accts i own or once owned.

[Anonymous]

Alot has to do with where you live. Certain CRA are utilized more than the others in certain areas.

Even more of it has to do with who your creditors report to. The CRA can only report what is reported to them, otherwise they don't know what is there.

Your score is based on what is on your report.

[dragnldy]

My TU is higher, but that's mostly because I have one good account that was closed several years ago that wasn't reported on the other two.  All in all, though, my scores with TU and EX are only 4 pts apart.  My EQ is about 20 lower, but that's because they still can't seem to report a couple of accounts correctly.

[Anonymous]

my dh and I had eq as our lowest paid down our balances a lot and now our TUs are the lowest. The Eq's took a huge leap when our balances got paid down but the TUs stayed close to where they were