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06-21-2007, 03:14 PM
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 Different scores from different credit bureaus
Why are all my credit scores different from Experian, Equifax, and Transunion? Like one has 685, 692, 669 yet my overall (which i guess is my average) is 680.  |
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06-21-2007, 04:07 PM
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Each of the three companies may have slightly different information that can occur for a variety of reasons. In addition, each use a somewhat different "model" when calcualting your score. The important thing is for you to make sure they are accurate! Good luck!
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06-21-2007, 04:54 PM
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Each credit bureau has its own version of the basic FICO algorithm. When estimating your credit scores, they try to score as close to FICO as they can, there scores are referred to as "FAKO scores". But, since FICO's algorithm is a secret, they can really only "guesstimate". On top of that, each bureau has access to slightly different sets of data and compiles it in a slightly different way. Also, not all lenders report to all three bureaus so you may have items on one report, that aren't on the others. |
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