Are these FICO scores? Are they the same scoring model? For a 100+ point difference, there would be substantial difference in your TransUnion report. Pull your reports at annualcreditreport.com and look for differences. If those are not FICO scores of the same model, that would explain the difference.
Where are you getting your scores? If they are all truly Fico, there must be some sort of derogatory that's only reporting to your Transunion report. Comb your credit reports to make sure everything is correct.
@Anonymous wrote:Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.
While each bureau has certain tweaks to the FICO 8 model and it's quite rare for them to all have the same score even with the same data, we're talking a 133 point spread between the 3 bureaus so something is absolutely amiss if those are all FICO 8 scores!
Double-check that every account appears on all 3 bureaus along with their status, dates, limits/original loan amount, and balance. For that big of a point difference, you would definitely need late payments, charge-offs, collections, previous bankruptcy, or a ridiculous amount of utilization difference (like 90+% across the board compared to almost but not quite zero) still reporting on TU for it to be that much lower.
Can you grab your full reports at annualcreditreport.com and check TU for any delinquencies?
@Anonymous wrote:Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.
Where did you pull the report with the TU score from? MyFICO or CCT?
OR, If you got it directly from TU's website, that's not s FICO 8 score; it's a Vantage score which would explain the huge discrepancy as Vantage scores are far more volatile and weigh things differently than FICO 8s.
