Credit Cards Center Credit cards from our partners
New Contributor
Posts: 72
Registered: ‎08-29-2013

Experian vs TU and EQ

Feeling very frustrated. I've done my research, cleaned up my credit, paid off old debts, etc. My TU and EQ went up from low 500s to almost 700 now. I have the score alert so I am seeing that its constatnly increasing. I use as well as the Transunion site to monitor my score and report. I have updated\cleaned most of the stuff on all 3 credit reports, but there are two things that are really bothering me and one that I am not sure what the answer is:


1. Experian is still in the mid to upper 500s. TU is showing up as 567 and Experience is showing as 590. All 3 are almost similar, but Experian is just more than a 100 points lower. I don't understand how this can be logical. 

2. Nelnet (may they burn in hell) is showing as "Delinquent" on Experience 4 times (4 different school loans) and 1 time on TU and EQ. These loans are no longer with Netlnet. They have been transferred to another lender. It shows as 120 past due, but from past years, not current. Though it looks like these delinquencies are shown as current when I look at the report and is probably keep my score down because of them. Neither the CRAs nor Nelnet have been able to help.

3. I have a new car loan (lease). How long does it take to show up on my credit report? Would it help my credit?



Any suggestions as to what I can do on item 1 or 2, would be greatly appreciated. I hav been trying to fix past mistakes for the past year. Researching, reading, staying up all night to figure out what I can do to get above 700 on all 3, but so far I am very, very frustrated




Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: Experian vs TU and EQ

For your scores, are you pulling from myFICO for all 3? If not you are probably comparing two or three different types of credit scores (and not necessarily FICO scores). Non-FICO scores have different score ranges and factor in stuff that FICO does not and vice-versa.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.