Each one of your scores is based on only the into in that particular bureaus report. The 3 bureaus almost NEVER all have the exact same info in them. Therefore almost all of us have 3 different scores. Your EQ may have 1 more collection account than your EX. Your TU may have 3 more showing than your EX. You may have a bankruptcy showing on 1 of the 3 but not the other. You may have credit card accounts showing on 2 but not all 3 ... they may have one balance on one bureau, and have a different balance on the other 2. Get the idea ?
If all 3 of your reports all had 100% thee exact same information .. then yes .. youd have 3 exact scores. But thats just not reality. I don't know of anyone whose ever had 3 of the same scores. Mortgage lenders usually run all 3 reports and take the average or middle score as the score to qualifiy you by. Yes they generally like you to pay your collection accounts, so they dont come back and bite the lender in the form of a judgment or lien on property. Often times, a lender will add some money into the loan to help you pay these collections at no upfront out of pocket expense. so check into that if needs be. Your Experian score is what the majority of them will look at when qualifying you. Best wishes
sparky
