Experian & Equifax Credit Scores Different

[johnjohncritt]

Why is my Experian credit score always so much different than Equifax?

[Matt B]

Each of the three credit bureaus have their own scoring model. The only score that you should watch is your FICO score.

[shayne54]

Not all trade lines report to all of the 'big 3' credit reporting agencies. For example, if you have one credit card, it might repot to trans union and equifax - but NOT to experian. Experian would have a score factor saying something like 'lack of revolving accounts' - which hurts your score. Each of the bureaus have their own scoring models, which also could help to explain the difference.Interestingly, all 3 are similar. Bill Fair, an engineer, and Earl Isaacs - a mathematician, put the 'FI' in FICO. It is widely believed that the other bureaus use the same model, but have tweaked it in their own way. You want all 3 scores to be as high as possible, as many lenders base their decision on your median, or middle, score.Good Luck!