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Greetings,
I am new to the forums. I have enjoyed reading all the posts and the responses from the well-educated and experienced respondenets. Their wealth of knowledge and experience are priceless for those new to the credit world. My question is this...there is a big difference in my credit score although "ALL" my information on all three credit bureau's are identical. My scores are as follows:
Equifax - 629
Trans Union - 686
Experian - 684
Does anyone know why this is like this? Does anyone know a link that will provide me with the tools I need to get that score at par with my other scores? Thank you in advance and enjoy what remains of your day.
The Fico algorithm is adjusted to the way each of the CRAs hold data, they are not mirror images of each other so its highly improbable your score would ever be the same. The one that is 60 points or so below the other 2 (EQ) I would look for something being different in that report as far as missing accounts, a late that you might have missed, etc.
A good place to start on Fico scoring is here http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169