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I have had a long period of bad pay history and over the past few years have corrected it. I have erased all of my debt other than mortgage and one car loan. I have a few credit cards with zero balances. I have accounts with myfico and with transunion. My 3 score average on transunion.com is 720 with my equifax score being 716. My equifax score on this site is 613. Reports seem to be the same. Is there a reasonable explanation how this could happen?
the scores on tu are fakos when the scores here are FICOs. they are a different scale.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@Anonymous wrote:I have had a long period of bad pay history and over the past few years have corrected it. I have erased all of my debt other than mortgage and one car loan. I have a few credit cards with zero balances. I have accounts with myfico and with transunion. My 3 score average on transunion.com is 720 with my equifax score being 716. My equifax score on this site is 613. Reports seem to be the same. Is there a reasonable explanation how this could happen?
The scores on transunion.com are based on a vantage scale which is 500-990. MyFico's scale is actually a true FICO score (scale 300-850).