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Credit scores (differences)

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Anonymous
Not applicable
‎03-23-2014 05:40 PM
‎03-23-2014 05:40 PM

Credit scores (differences)

Is it possible to have 2 really good credit scores from 2 different bureaus and 1 not so good? I find this weird and it's with EQ. Has anyone experienced this, if so what'l was the outcome? Does it highly affect how companies look at your credit?

Thanks in advanced.
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AndySoCal
Senior Contributor
‎03-23-2014 05:52 PM
‎03-23-2014 05:52 PM

Re: Credit scores (differences)

Yes it is. If you have account(s) that are only on your Equifax report yes and depending on what the history and status of those accounts are..

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banking: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO US Bank Wells Fargo
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DaveSignal
Valued Contributor
‎03-23-2014 05:54 PM
‎03-23-2014 05:54 PM

Re: Credit scores (differences)

There is different information on different your credit reports from each of the three credit reporting agencies.  Look at what is reporting on the EQ report to get an idea of where you might be losing points.  You never know which CRA a lender will pull from, and some pull all three.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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Anonymous
Not applicable
‎03-23-2014 06:59 PM
‎03-23-2014 06:59 PM

Re: Credit scores (differences)

@Anonymous wrote:
Is it possible to have 2 really good credit scores from 2 different bureaus and 1 not so good? I find this weird and it's with EQ. Has anyone experienced this, if so what'l was the outcome? Does it highly affect how companies look at your credit?

Thanks in advanced.

Unless the scoring model is identical in all three cases, the comparison may not be meaningful.  The scores available on this site range from TU 98 to EQ 04 to EX 08.

 

Beyond that, it's as others have mentioned.  For example, I have a closed installment loan on TU, that never reported to EQ, and was deleted from EX.

 

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takeshi74
Senior Contributor
‎03-24-2014 05:42 AM
‎03-24-2014 05:42 AM

Re: Credit scores (differences)

It's easily possible.  Your scores are based on the data in your reports with the 3 CRA's.  If the data varies that's one possibility for a difference in scores.  If scores are pulled at different timeframes that could also affect the data in the reports.  If different scoring models are used then that's yet another factor that could affect the scores.

 

@Anonymous wrote:
Does it highly affect how companies look at your credit?

Depends on which CRA's the creditor pulls.  If they only pull one then it doesn't really matter.  If they pull multiple it will.  Have you pulled your reports to verify?

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