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. 300 to 579 (poor credit): Most lenders will reject applications from borrowers with a score in this range. VISIT SITE. 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. The lower the number, the lower the individual’s credit rating. 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. Just follow the general advice given to you and you'll be fine (pay all your bills on time, keep utilization low, let credit age, open various types of loans, etc. 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. 99, you can view your Experian, Equifax, and TransUnion credit report as well as your FICO credit score. I have 755 with Transunion, and 646 with Equifax. Cost of the Report. 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. Equifax scores range from 280 to 850. 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. FICO® Score 8 may punish numerous late payments more severely than previous versions. I wouldn't doubt if my EX score was 100 points lower than my TU or EQ scores. For auto and personal loans, banks usually ask only one of the three big credit-reporting firms — Equifax, TransUnion or Experian — for a score, Bingham said. The other two only report the name of your employer and do not add any weight to that fact. 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. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. The credit bureaus may not have the. Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Was the Experian score pulled by a lender? And if so, what kind of lender?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. Re: Why is my Experian score 40 points lower than Experian & Transunion? I understand that different FICO score models result in different ranges of scores. Equifax 54%. FICO is a separate product issued by a separate company. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also. Finally, let’s address what might be the most frightening reason for a drop in credit scores: Someone could have stolen your identity and applied for (and opened) credit accounts in your name. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. We would like to show you a description here but the site won’t allow us. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Sponsored. A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711. My Experian is looking pretty tidy. 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. The other two only show one credit report and the name of your employer and do not add any weight to that fact. 0 credit score was lowered by 72 points. Here’s why your FICO® Score 9 credit scores could be different. 0 is relied on by lenders across a variety of industries. . 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. These are all Fico score 8 scores which uses a 300-850 scale. The above actions will provide the necessary details needed by TransUnion to recalculate your score using your new address details. 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. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. All you need is to follow the steps below: Login to your CIBC account on the mobile app. 0 is relied on by lenders across a variety of industries. FICO and TransUnion’s New Account Score ranges from 300 to 850; Vantage, from 501 to 990; Equifax’s is between 280 and 850 and Experian ’s is 330 to 830. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. 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. 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. Financial Topics Life Stages TransUnion vs Equifax: How They Differ By Jacqueline DeMarco · June 06, 2023 · 6 minute read We’re here to help! First and. To maximize all these scores you. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. 0 Kudos. 6/5 ( 59 votes ) If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. Can be significantly different than your FICO Scores. On top of that, these credit reporting agencies use different scoring models to produce credit scores. One uses FICO Score 9 based on data in my Equifax credit file. It's also the least friendly to those just starting out building credit. Credit Karma for credit score accuracy, you may want to understand first why you have multiple credit scores — and how your scores affect your financial progress. 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. I have 596 Exp and 670 with the other 2. You can find the contact information under the account details section of your credit report. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. Since then TU has been the laggard of the three most of the time. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. 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. Credit mix: 10%. It's basically the difference between a report and a score. 0). This is known as “credit utilization” or “credit usage ratio. Why is Equifax lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. 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. I wouldn't worry about it. The Equifax credit score model falls on a credit rating scale that starts at 280 and ends at 850. The other two only report the name of your employer and do not add any weight to that fact. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on). Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. Why is my Experian score lower than TransUnion and Equifax? 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. Equifax. 5 reasons your FICO score may be lower than your credit score. 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. Why is my TransUnion score 100 points lower than my Equifax? You might expect all of your credit reports and scores to be the same, but they are usually not. Some lenders only report to Experian or Equifax. Another invisible difference between these agencies is the data collected. Generally, the credit bureaus collect information from different sources and have their own scoring model. Experian is often a way better monitoring system based on their record keeping. 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. On March 12th, 2019, I disputed multiple records for various discrepancies with all three of the credit bureaus. My Equifax Dispute. 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. All consumers are entitled to one free. 1/5 (66 votes) . Re: Why is my Equifax so low. THere are many more than that. They might also weigh your information differently depending on the type of credit account for which you've applied. In both cases, higher. Yes we display your Equifax credit score. The Differences Between Equifax, Transunion, and FICO. 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. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. Comparing TransUnion vs. Hello - I'm using CreditKarma to monitor my credit, for over a month now my credit scores have differed by nearly 100 points. If you had unexpected expenses and you put them on a credit card or cards, your credit score could drop. First, a CK score is a VS score (not a FICO score) so it's unmeaningful and shouldn't be worried about. I have since received a letter from Amex mentioning specifically my TransUnion credit report, so I created an account on TU to see my full report as well as download Credit Karma to check my TU score (as its apparently. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. 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. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. Users of TransUnion eCredable Lift can report their utility bill payments, resulting in an overnight improvement to their credit scores. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. TransUnion: Credit Rating. The reason why TransUnion score is higher than Experian score is because they use different data models to assess creditworthiness. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. On the home page, click on "View All Products. Another invisible difference between these agencies is the data collected. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. Score: 4. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. The result is that there are multiple FICO Score versions available, in addition to the most widely used version, FICO Score 8. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. New credit: 10%. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alertsGo to TransUnion’s site and submit a new dispute. Score: 4. Score: 4. Feb 25, 2022. My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. But remmember too that those scores are only about 7% apart. In addition, late payments remain on your Equifax credit report for seven years. Data Collected. Why is my Experian score so much lower than TransUnion and Equifax? 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. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. Based on our analysis, Experian provides the best service for the money. Some lenders only report to one credit bureau, while other lenders report to both. My FICO went up like with the equifax reported by credit karma. A credit score is a three-digit number, typically between 300 and 850, designed to. If we didn't, seemingly normal credit usage today would be considered a higher risk than in years past. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. 740-799 = Very Good. 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. FICO. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. And only recently did we start reporting to Experian. You also have auto, mortgage and bankcard scores. Hi, I use Credit Karma. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. My Equifax is more than 100 points lower than my TU score. It is really affecting me getting an auto loan. Equifax vs. Source: MyFICO. 15% length of credit history. 0 use the same 300-to-850 range as base FICO ® scores. Score: 4. The other two only report the name of your employer and do not add any weight to that fact. Their behavior is governed by the FCRA. Why is my TransUnion score way lower than Equifax? The credit bureaus may have different information. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. Credit-scoring models can differ and. I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. I called Equifax to find out why they were vending a different credit score to the lender than to me. FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional. Length of credit history: 15%. . Not all lenders report to the other two. Higher scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a request for credit. If you’re wondering why your Experian score is lower, you’re in the right place. My Transunion score is in the tank though at around 567. The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. Balance changes, lower utilization, score increase, etc. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. Then I came directly here to myFICO and ran my FICO score. 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). Each is collecting the same information about your credit history, but it's not uncommon for there to be slight variations among the different reports. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. 472. Credit-scoring Models Are Different. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. Multiple factors could account for why your scores are different. Consumers. 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. The middle one was Transunion FICO 4 at 762, so I am getting the best rates. Why is my Experian score 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. Why is my Experian score so much lower than TransUnion and Equifax? 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. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. 0 based on my TransUnion credit. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. 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. If your credit file is different with each credit bureau, then your credit score might be different as well. Equifax 802, Transunion 848, Experian 839. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. ”. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. 590 on Experian, 651 on Transunion, exact same information for both. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. VantageScore 3. 0. Score: 4. They are my spouses cards and we share the same address and last name, of course. 0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. Data Collected. Why is my TransUnion score so low compared to Experian? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and. 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. ”. One or more of your lenders aren't reporting to Transunion. 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. ”. 5/5 ( 12 votes ) 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. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. Depending on what your scores are, you may wonder what they mean. Each company has its own method of collecting financial information. 95 per month. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. 2. Why 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 reports. In fact depending on the credit bureau it can range up to 80 point difference. Score: 4. It should just be math. It's important to know that you have more than one credit report. 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. A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. Why is my Equifax so much lower than TransUnion? The lower Equifax number is a common concern for many people. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. That’s because most issuers report credit. Why Is My Experian Score So Much Lower Than Transunion And Equifax. Your score differs. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. High balances in comparison to credit limits can affect credit scores, and are a common reason for credit scores to fluctuate. Using a variety of factors, the company will give you a three digit score ranging from 300 (lowest possible) to 850 (highest possible). Why are my scores differ so much and Which score will…Experian, Equifax, and TransUnion each offer credit monitoring services. Like all credit-reporting agencies, TransUnion and Equifax use. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. 95, but it is a little hard to find. If it makes you feel better, most lenders don't even check them. Why is my Credit Karma score higher than my actual score? 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. This means that your credit score may differ even with the same credit history. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. They. The credit history reflected on your credit reports and scores can directly affect your ability to get credit. Additionally, if the account you closed was your oldest line of credit, it could negatively impact. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Yes. TransUnion vs. Your VantageScore® 3. Even large deviations between credit scores from. Similarly to. 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. Multiple late payments matter more. 4/5 ( 61 votes ) Your Equifax score is lower than the other 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 system. FICO ® Scores have been updated to reflect this change in behavior. TransUnion ranges from a low of 300 to a high of 850. What a credit bureau is. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. There are two plans available: eCredable Lift for $24. Similar numbers. 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. That being said, if any credit score (even an. Experian and Equifax are the two largest credit bureaus in the United States. First, lenders often perform what’s known as a credit check or a hard inquiry to review your credit reports and determine if you’re a suitable candidate for a loan. 0 and 4. So, it’s normal for your scores to differ from bureau to bureau. Credit score range. 0 scoring model. Credit Karma is a user-friendly online service that offers free Vantage 3. Experian utilizes the FICO scoring model while TransUnion scores are based on the VantageScore model. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. That's funny. The average VantageScore 3. Credit score ranges vary based on the credit scoring model used, but are generally similar to the following: 300-579: Poor. It falls below the national average FICO ® Score of 710, and solidly within the fair score range of 580 to 669. 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. But, I am concerned about Equifax score and why it is so low. TransUnion: Credit Rating. An Equifax credit score is a traditional credit score that will range from 101 to 992. . Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. Re: Why is my transunion fico so much higher. The FICO Score ranges from a low of 300 to a high of 850. troyb. Length of credit history: 15%. 95 per month to $19. 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. Even if they have the same accounts and balances they may classify them differently. The higher the number, the. These scores are not provided by Credit Karma. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. This could lead to a person having a relatively lower score on Experian compared to the two other bureaus. 590 on Experian, 651 on Transunion, exact same information for both. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. But if you find a significant difference, it’s worth investigating. 1. Mostly just confused why the transunion would have gone down regardless of the model used. That applied to both individuals and family plans. Different FICO models can produce very different scores. It may also be looking at a different FICO scoring method. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. Experian: 715Score: 4. These factors are likely to yield different credit scores, even if your credit reports are identical across the. Like before, the higher the score, the stronger your credit. TransUnion uses the VantageScore ® credit scoring model to calculate your credit score. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. The whole credit industry is weird. There are a number of reasons for this. I understand that they are different companies with different algorithms so a different credit score is understandable. Although FICO and VantageScore use the same data, they process. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. Can be off by up to 100 points —causing you to under or overestimate your creditworthiness. 5. Equifax Any site that compares numbers and does a bunch of data-crunching will probably have their. . This is why your score can be so different with each one. This includes an. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. And a lender may report updates to different bureaus at different times. There are two plans available: eCredable Lift for $24. 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. Third parties use many different types of credit scores and. This is just to let the consumer. 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. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. Credit score range. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. FICO scores are general purpose credit scores developed. I'm at 705 TransUnion, but I'm at 588 on Equifax. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. Meanwhile, VantageScore 3. Why are my credit scores. This difference in emphasis can decrease or increase your credit score. Many creditors have a custom one, so may not even use the score you see. FICO 5 relies solely on data from the credit reporting agency Equifax, while FICO 8 uses data from all three major credit reporting agencies: Equifax, Experian, and TransUnion. At first, VantageScore credit scores featured a different numerical scale (501 to 990). Credit Karma uses a different scoring system than the one mortgage lenders use. A good score with TransUnion and VantageScore® 3. However being under 700 on one while being over 800 on the other is unusual. 550. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. Equifax Credit Score. The FICO scores are MUCH LOWER than the actual Equifax and TU scores. " 03-23-2012 12:19 AM. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. Why is my Equifax score so low? 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 actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. 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. Equifax 834, Transunion 900. FICO, which is a U. Credit score of 846 out of 999. You can find the contact information under the account details section of your credit report. VantageScore – it began in 2006 and is what Credit Karma uses. Experian and Equifax are the two largest credit bureaus in the United States. Some people want to achieve a score of 850, the highest credit score possible. It is really affecting me getting an auto loan.