HUGE difference between my transunion and experian scores

[Anonymous]

Hello all,

I know this question gets asked a lot, but I haven't seen anyone else who has a score difference as large as mine.  Anyways, I have a Discover Card, which allows me to look at my Transunion score, which shows my FICO score as 710.  I also have access to another credit checking service that provides my experian score, but as of today, my experian score is 530!  Does anyone know why I have such a huge disparity (basically a 180-point difference) in scores between the two reporting companies?

Further information:

My credit score hasn't changed from either reporting agency during the past two months.

Both the transunion score (as shown by Discover) and the experian score (as provided by the service Credit Guard) show the same reason for my scores:  

1.) TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED:

2.) TOO MANY INQUIRIES LAST 12 MONTHS (well obviously, just graduated college and needed to lease an apartment in lower Manhattan) 

Thanks in advance for the help.

[MarineVietVet]

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@Anonymous wrote:

Hello all,

I know this question gets asked a lot, but I haven't seen anyone else who has a score difference as large as mine.  Anyways, I have a Discover Card, which allows me to look at my Transunion score, which shows my FICO score as 710.  I also have access to another credit checking service that provides my experian score, but as of today, my experian score is 530!  Does anyone know why I have such a huge disparity (basically a 180-point difference) in scores between the two reporting companies?

Further information:

My credit score hasn't changed from either reporting agency during the past two months.

Both the transunion score (as shown by Discover) and the experian score (as provided by the service Credit Guard) show the same reason for my scores:  

1.) TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED:

2.) TOO MANY INQUIRIES LAST 12 MONTHS (well obviously, just graduated college and needed to lease an apartment in lower Manhattan) 

Thanks in advance for the help.

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Hello and welcome.

I'm a bit confused. Equifax offers a "Credit Guard" service while Experian has an "Identity Guard" feature. I'm not sure which one you are talking about.

In any case neither the Credit Guard nor the Identity Guard score is a true FICO score while Discover does furnish a TU FICO 08 score. You need to ignore any score or credit advice from either of those sites.

[Anonymous]

If possible, take a look at the credit reports (especially the one from Experian). You can get a free copy once a year. It will not have your FICO score but it's the meat-and-potatoes and contains the basis for your score. As previously mentioned, ignore the FAKO EX score. Instead, focus on the report, look for any discrepancies/incorrect data, and go through the appropriate dispute channels if you see anything wrong.