Different Scores for Experian Score from Equifax and Experian

[Anonymous]

I've been using  Experian to track my credit scores I decided to try Equifax since they have the 4.95 deal Experian shows me an Experian credit Score of 671 Equifax shows an Experian score of 635 TransUnion and Equifax are the same Iam just confused which is the correct one?

[Anonymous]

Equifax and TransUnion usually share VantageScores, not FICOs. The Experian score you get from Experian is likely a FICO. Go to www.creditchecktotal.com and do a one week trial to get all 3 FICOs.

[Anonymous]

All scores are "correct" it's just that some are more meaningful than others.  FICO scores are widely used and meaningful, where non-FICO scores aren't.  When comparing FICO scores, though, there are 3 different factors that can cause them to be different:

1. The scoring model used (FICO 9, FICO BCE 8, etc)
2. The bureau data used (EX, TU, EQ)
3. The moment in time at which these first 2 factors were used

It sounds like you're comparing two EX bureau data scores, so you know the answer to #2 above.  This means that #1, #3 or both are different if you're seeing different EX scores.

[Anonymous]

That's a relief a little bummed out I lost 5 bucks on a free vantage score but better then $30 on scoresense who also gave me vantage scores I will try creditchecktotal thanks😊

[Anonymous]

CCT is awesome.  Just make sure you cancel your trial within 7 days so that you don't get billed for a full membership.