And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. It may also be looking at a different FICO scoring method. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. Some lenders only report to Experian or Equifax. The other two only report the name of your employer and do not add any weight to that fact. 0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. Can someone tell me why the MyFICO TU score is 59 points. An "official" credit report is the one that a lender pulls direct from equifax or transunion. The other. And a lender may report updates to different bureaus at different times. Citi usually pulls credit reports from Equifax or Experian. The other two only report the name of your employer and do not add any weight to that fact. My Transunion score is in the tank though at around 567. The Differences Between Equifax, Transunion, and FICO. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. We would like to show you a description here but the site won’t allow us. Credit Report costs Rs. 1. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. These factors are likely to yield different credit scores, even if your credit reports are. There are a number of reasons for this. 1/5 (66 votes) . Why is my Equifax score lower than TransUnion? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. Re: Why did Equifax Credit Score Drop 9 Points For No Reason/TransUnion Stayed stable. For example, the number of accounts you have or your payment history may be scaled differently depending on the agency. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. See moreWhy is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit. Valued Member. The other two only report the name of your employer and do not add any weight to that fact. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. The scores currently showing on my credit karma account are 720/723 for Transunion and Equifax respectively. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. Lenders can use any of the credit reference agencies to check your credit score in the UK. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. And a lender may report updates to different bureaus at different times. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. It should just be math. Takedown request | View complete. 5 reasons your FICO score may be lower than your credit score. Fair: 580 to 669. In both cases, higher. FICO Score 9 is already being used by hundreds of lenders, and eight of the nation’s top 10 lenders have either evaluated it, are in the process of evaluating it or plan to do so, according to. Hello everyone! Not too long ago I made a post about my cobalt application being denied despite my Equifax credit score being 793. I wouldn't worry about it. Very good: 740 to 799. ”. com. Frequently applying for credit card or loan offers can certainly cause a drop in your credit score. But if you find a significant difference, it’s worth investigating. Inquiries stay on your credit report for. That's funny. The only difference is that I have a single collections account reporting which is bogus. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Because different lenders rely on different credit reporting agencies,. If you are a CIBC client and are using the bank’s mobile banking app, you can check your Equifax credit report for free online. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. After speaking with two mortgage specialists, I was led to believe that the two scores would be within 10 points of each other. Then I came directly here to myFICO and ran my FICO score. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Experian always seems to be my middle score while Equifax brings up the rear. 95 per month to $19. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. 550. That applied to both individuals and family plans. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. 670-739 = Good. The other two only report the name of your employer and do not add any weight to that fact. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax. Along with educational articles, it offers several loan and mortgage calculators. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score. Similar numbers. Score: 4. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. Both range from 300 to 900, which is the credit score range in Canada. This means that your credit score may differ even with the same credit history. Why is TransUnion credit score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at. Since there are so many free credit score resources out there, you should know that FICO is the most widely used credit score among lenders. Why is Equifax always lower than TransUnion?. Good: 670 to 739. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. What a credit bureau is. Credit score range. We would like to show you a description here but the site won’t allow us. However, these agencies may use this model to weigh each factor differently. In fact depending on the credit bureau it can range up to 80 point difference. Also, back in the FICO 04 days, the algorithms were customized for each CRA. 30% total debt. Step 2. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. It's just a list of your current outstanding loans, and if you're in good standing with them. Edit: The reason Credit Karma is stating for the low score is a combination of a high number of hard pulls and that my average account age is too new. 0 scores. In addition, TransUnion reports your employment history and personal information. These scores are not provided by Credit Karma. On the next page, click on "Equifax Credit Report & Score. They’ll be in red and in order of importance. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. Based on our analysis, Experian provides the best service for the money. I thought it would help me get a good. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. 1. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax. Is there a specific reason for this? A: The reason your credit scores are different from each other is because of the different information that the credit bureaus have about you. 300-900. My Equifax is more than 100 points lower than my TU score. I will update these charts on a monthly basis and make notes of any. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. 95 per month. Unlike with FICO where a good credit score is 670, VantageScore requires between 720 and 780. So, if you have a $4,000 credit limit, your balance should remain below $1,200. This is why it’s. Legally you are entitled to request a credit report from Transunion and Equifax one time a year. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. 03-29-2007 08:24 PM. TransUnion vs. Transunion Vs. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. Similar numbers. 0 scores. You are accessing the "consumer" credit report. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. My Equifax Dispute. Each company has its own method of collecting financial information. Data Collected. Variations in the data reported by creditors and lenders, as well as. Equifax and TransUnion have access to different. TransUnion: Credit Rating. Your Equifax score can be lower than your TransUnion score for a variety of reasons. For more information please visit us at and book an appointment today. But each model makes very different scores. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. 99, you can view your Experian, Equifax, and TransUnion credit report as well as your FICO credit score. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e. This month I've had two statements reported on Feb. A “good” score may rest in the 661 – 720 range. Each company uses their own proprietary means. Your Experian, Equifax and TransUnion credit reports should be fairly similiar. Your VantageScore® 3. Then there are “educational” credit scores. The average VantageScore 3. Highlights: A credit score is a three-digit number designed to represent the likelihood you will pay your bills on time. Why is Equifax lower? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. The widely used FICO credit score, which is derived from information in your credit file, ranges from a low of 300 to a high of 850. A credit score discrepancy is a difference in your credit score from one credit bureau to another. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. There is now, an almost 50 point difference, in the negative, between my Transunion score and the others. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Hi, I use Credit Karma. It's a good idea to take advantage of this every year, to check that everything is accurate and. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. The FICO Score ranges from a low of 300 to a high of 850. Balance changes, lower utilization, score increase, etc. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. Why is my Equifax score so much lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. . Cost of the Report. 0 adopted the same. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. But if you find a significant difference, it’s worth investigating. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. 0. FICO is used in about 90% of lending decisions. Depending on what your scores are, you may wonder what they mean. Only Credit Report costs Rs. This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio. All you need is to follow the steps below: Login to your CIBC account on the mobile app. I called Equifax to find out why they were vending a different credit score to the lender than to me. Under the menu, click on “free credit score”. A higher score means lower risk and vice versa. Right there your credit score will appear. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. A person’s Experian credit score may be lower than their TransUnion or Equifax scores for several reasons. Why is my Experian score so much lower than credit karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Credit Karma says it's using Equifax and Transunion, and both of these agencies are showing similar scores. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. Equifax vs. Like all credit-reporting agencies, TransUnion and Equifax use. First things first. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. There are many different scoring models. TransUnion offers a similar product to Experian Boost. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. 3. Conversely consumers with lower FICO scores at bureau "A" will likely get low FICO Scores at the other two bureaus when the underlying data is the same across the bureaus. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. In my experiance, they seem to be more up to date on your payment history, but not your balance. I understand that they are different companies with different algorithms so a different credit score is understandable. The Bottom Line. Of course, getting at or close to 0% is best. The most common scores range from 300 points to 850 points. ”Earlier this year, pharmacy technician Curtis Webb thought his credit score was high enough to help him snag good terms on a mortgage. Not on the electoral register (due to a muck up in my local office but soon to be rectified) but that should push me up. Therefore, there are other reasons why the numbers. The CRA each calculate their scores uniquely so they do tend to move differently for different things. Why is my Experian score 100 points lower than TransUnion and Equifax? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Credit Karma is a user-friendly online service that offers free Vantage 3. If your credit file is different with each credit bureau, then your credit score might be different as well. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using. The lower Equifax number is a common concern for many people. My relative's TransUnion score is currently in the 680s, the Experian score is in the 650s but the Equifax is only in the 620s. That’s because most issuers report credit. For instance, if you have a credit card with a $1000 credit limit reporting as a $100 credit limit, this could cause a big hit to your credit utilization ratio. 5/5 (35 votes) . Good. It was a Verizon account paid in a BK that was d/c 4/4/17. So, it’s normal for your scores to differ from bureau to bureau. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you’ll see wide credit score. 0. There are many different types of credit scores and scoring models. Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores from TransUnion, Experian and Equifax credit bureaus can be so. Here are the services that. Score: 4. Length of credit history: 15%. Taking a 290K loan, I have been paying $1900/month for almost 1. 0 range from 501 to 990. FICO scores range from 300 to 850, while the industry-specified standards can range anywhere from 250 to 900. On top of that, these credit reporting agencies use different scoring models to produce credit scores. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. And a lender may report updates to different bureaus at different times. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Why is my Transunion score 35+ points lower than my other scores and is there a way to dispute the score calculation? (I have 6 additional hard inquiries on my Transunion report that are 1-2 years old and I think those might be affecting my score, even though they are over 1 year old). One of the scoring models that TransUnion uses to calculate credit scores is VantageScore® 3. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. 0 is between 720 and 780. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. The credit bureaus may not have the exact same information on you. Got the credit report back in mail and it seems equifax beacon 5 (FICO score 5) came out like 30 points lower than Experian (FICO 2) and Transunion (FICO 4). No searches, no defaults no nothing. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. The scores we provide are actual credit. Equifax scores range from 280 to 850. . Equifax and TransUnion scores can only be as accurate as the information they receive. Your score differs. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. Here’s how the score ranges are broken down: 800-850 – Excellent. Credit mix: 10%. The credit scores you see when you check a service like Experian may differ from the FICO scores a lender sees when checking your credit. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. We’ll explain what a credit bureau is, why Experian, Equifax, and TransUnion show different scores, if one bureau’s score matters more than the others, and ways to improve or build your credit score. 0 Kudos. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. . They are two different companies that offer two different, albeit similar, products. 95 a year and eCredable LiftLocker for $9. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s;As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. VantageScores below 600 are considered “subprime. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. TransUnion differs in credit history length. Credit Score Range. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. You may have a different score with each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian). Why is my TransUnion score lower? Your credit scores are calculated using information in your credit reports, so it's normal to see your score change as lenders provide updates to that information. A good score with TransUnion and VantageScore® 3. S. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. My Transunion scores have always been the highest of the three. 0 scoring model. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score discrepancies. Equifax, Experian and TransUnion are the three credit bureaus responsible for reporting your credit score. Here are five main factors that affect your credit scores: Payment history, or whether you pay your credit accounts on time, makes up about 35% of the typical credit score. Multiple factors could account for why your scores are different. Score: 4. Why is Equifax always lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. This is known as “credit utilization” or “credit usage ratio. Your VantageScore® 3. 95 a year and eCredable LiftLocker for $9. I have 596 Exp and 670 with the other 2. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. These companies compile information about your credit into reports that are used to generate your credit scores. 580-669 = Fair. The other two only show one credit report and the name of your employer and do not add any weight to that fact. ”. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. Very good: 740 to 799. But rather than comparing Equifax vs. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your credit accounts. TransUnion is bringing up the rear among the three. As the information on your reports directly impacts your credit score, it can be beneficial to check the reports and make sure everything is correct. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Good Morning, Apologizing in advance if this question has been asked previously. TransUnion reports I have better credit than 2/3rds of the country but Equifax says I have better credit than only 1/3rd of the country. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. Good habits, such as making payments on-time and using less of your available credit, among others, can help you improve your credit health over time. I just applied for a new car loan, and - despite my published Equifax score of 780 - was surprised to be offered a rate lower than the rate reserved for "excellent" credit. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. This model scoring scale starts at 300 (the lowest) and caps at 850. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. To get your updated score, simply access ‘My Profile’, click ‘Credit Score’, click ‘Get your score’, click ‘See your credit score’ and that is you opted back into the feature. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. 0 scores from TransUnion and Equifax. Both companies collect credit information on individual consumers, which they sell to lenders and. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. But Canadian consumers cannot access their. TU (900) still has me as a student. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. . Of course, getting at or close to 0% is best. They. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has. The other two only report the name of your employer and do not add any weight to that fact. Available for free with monthly updates on Paisabazaar. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. The lower the number, the lower the individual’s credit rating. 8/5 (74 votes) . Score: 4. (Experian, Equifax and TransUnion). Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. So here is my situation: In August 2010, I bought a house at lower 300K and paid 10%+ down, thus having PMI over $100+/month. 0. One uses FICO Score 9 based on data in my Equifax credit file. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. If you plan on applying for credit, make sure to check your FICO Score since there’s. It's also the least friendly to those just starting out building credit. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. Don’t be worried if that’s the case. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. In general, the higher your score, the better your chances of getting approved for credit cards or loans with more favorable terms, including lower interest rates and fees. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. Provided your lenders report your payment history to the three nationwide consumer reporting agencies, a secured credit card can be a powerful tool for building and improving credit. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. Why are my scores differ so much and Which score will…Experian, Equifax, and TransUnion each offer credit monitoring services. 740-799 = Very Good. 3 Bureau Credit Report & FICO Score: For $39. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. In other words, your credit utilization rate is how much of your available credit you’re using at any given time. Whether it's a 9 point drop or a 90 point drop shouldn't cause you to lose any sleep. A credit score discrepancy is a difference in your credit score from one credit bureau to another. 0 and 2. Current spread is 81 points. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. The other two only report the name of your employer and do not add any weight to that fact. A slight drop in your score may not be cause for worry, especially if you're consistently practicing good credit health habits . Why is my Experian score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. It is really affecting me getting an auto loan. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. We would like to show you a description here but the site won’t allow us. Note that a credit report =/= credit score. Theyll likely be slightly different, and its possible they could be very different. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. Yes. If all is well, each agency should have all of your information identically. Instead, we work with Equifax and TransUnion to. There are two main scoring systems: FICO – it was created in the 1950s and is used by mortgage lenders. Yes, equifax and transunion from credit karma so vantage score 3. Hard inquiries help your lenders track how frequently you have applied for credit and can cause. TransUnion ranges from a low of 300 to a high of 850. On March 12th, 2019, I disputed multiple records for various discrepancies with all three of the credit bureaus. The middle one was Transunion FICO 4 at 762, so I am getting the best rates. " 03-23-2012 12:19 AM. Variations in the data reported by creditors and lenders, as well as. Equifax 834, Transunion 900. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Why is my TransUnion score way lower than Equifax? The credit bureaus may have different information. Generally, anything over 556 is an acceptable credit score. There are many reasons why the numbers between Equifax and Transunion may differ so much. Score: 4. "The most widely used credit scoring model is the FICO 8, which is used by the three largest credit bureaus, Equifax, Experian, & TransUnion (The Big Three). 0. Why is TransUnion so much lower than others? Equifax and TransUnion have different scores because slightly different information is reported to each credit reporting agency. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. Why is my Experian score so much lower than TransUnion and Equifax? Reasons Why Your Credit Scores Differ From Bureau to Bureau – It’s unlikely that you’ll have the same credit score across each of the three credit bureaus. Some lenders only report to Experian or Equifax. By law,. Equifax. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Equifax.