Why the Difference Between Agencies and Why No Data For Experian

[Anonymous]

Hi Everyone,

First time here.

I have recently purchased my credit scores and I notice a big difference between the agencies I have bought them from.  All were purchased on 4/9/16.

MyFico.com

Equifax - 703

TU - 712

Exp - No Score and No Data

Now through Equifax.com

Equifax - 658

TU - 640

Exp - 769

Now for Transunion.com

Equifax - 694

TU - 714

Exp - 634

Now for Experian.com

Equifax - 703

TU - 712

Exp - No Data

When I try to get a FICO score from MyFico it tells me it can't be generated.  Which one do I "trust"?  I have noticed that the reported amount owed on credit cards is so wrong it's laughable, but it works in my favor :-)

Can someone explain the differences and which I can go by and also why there is either erroneous or no data for Experian?  And finally, how can I fix Experian.

Thank you.

[Anonymous]

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@Anonymous wrote:

Hi Everyone,

First time here.

I have recently purchased my credit scores and I notice a big difference between the agencies I have bought them from.  All were purchased on 4/9/16.

MyFico.com

Equifax - 703

TU - 712

Exp - No Score and No Data

Now through Equifax.com

Equifax - 658

TU - 640

Exp - 769

Now for Transunion.com

Equifax - 694

TU - 714

Exp - 634

Now for Experian.com

Equifax - 703

TU - 712

Exp - No Data

When I try to get a FICO score from MyFico it tells me it can't be generated.  Which one do I "trust"?  I have noticed that the reported amount owed on credit cards is so wrong it's laughable, but it works in my favor :-)

Can someone explain the differences and which I can go by and also why there is either erroneous or no data for Experian?  And finally, how can I fix Experian.

Thank you.

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The only scores that you should pay attention to are the scores from MyFico and Experian.  They are true Fico 08 scores and they match for that reason.  The scores provided by Equifax and Transunion are 'educational' scores and are not Fico scores.  Therefore, they are basically meaningless.  As for why you don't show a score for Exoerian, that is difficult to determine.  How old is your credit history?  It is possible that whatever existing credit you have has not reported to Experian or its so new that it hasn't generated a score there yet.