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Why is my Experian score higher than TransUnion and Equifax?

Posted on August 23, 2022 by Author

Why is my Experian score higher 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. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also unusual.

Is 672 a good credit score TransUnion?

A 672 credit score is generally a fair score. While a lot of people have fair scores, you may still find it difficult to get approved for credit without high fees and interest rates with a score in this range. “Fair” score range identified based on 2021 Credit Karma data.

Is Experian usually lower than TransUnion and Equifax?

Also understand that not all creditors report to all three bureaus. 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.

What is the difference between TransUnion Equifax and Experian?

Equifax and Experian, for example, only note your employer’s name as part of your employment history. On the other hand, TransUnion lists out more specific information, such as your title and the dates you were employed there. The information reported also varies from bureau to bureau.

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Is 893 a good credit score?

An 893 credit score is excellent. Before you can do anything to increase your 893 credit score, you need to identify what part of it needs to be improved, plain and simple. And in order to identify what needs to be improved, you should probably be aware of all the things that count and don’t count towards your score.

Which is more accurate Experian or Equifax?

2 Experian has a slight edge over Equifax because it tends to track recent credit searches more thoroughly. Experian breaks down a credit report into sections, which include the following: Personal information including past addresses.

Can I buy a house with a credit score of 672?

If your credit score is a 672 or higher, and you meet other requirements, you should not have any problem getting a mortgage. Credit scores in the 620-680 range are generally considered fair credit. There are many mortgage lenders that offer loan programs to borrowers with credit scores in the 500s.

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Can I buy a car with a credit score of 672?

A 672 FICO® Score is considered “Good”. Mortgage, auto, and personal loans are relatively easy to get with a 672 Credit Score. Lenders like to do business with borrowers that have Good credit because it’s less risky.

What’s more important Experian or TransUnion?

A: As a general matter, no one credit bureau report is “more important” than the others. The challenge, of course, for consumers is that you never really know which bureau report a lender will pull. It could be Equifax, Experian or TransUnion – or perhaps all three.

What is the range of equequifax credit scores?

Equifax offers numerical credit scores that range from 280 to 850. The bureau uses similar criteria as FICO to calculate these scores, but as with Experian, the exact formula is not the same.

Why is my TransUnion credit report different from Experian and Equifax?

If your credit report is pulled on the 17th, your TransUnion credit report will contain different information from Experian and Equifax, which may result in a noticeably different score. While each of the three credit bureaus uses the same basic scoring model, there are slight variations.

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Can I use my Equifax score to get approved for loans?

Borrowers cannot safely gauge their chances of loan approval by looking at their Equifax report alone. However, if their Equifax report is much stronger than their Experian report or FICO score, then they have the ability to search for lenders that prioritize Equifax.

Can you get a free FICO credit score through Equifax?

While Experian offers free FICO scores on their website, you cannot get a free FICO credit score through Equifax or TransUnion directly. Like Experian, Equifax is a major credit-reporting bureau. It produces credit reports similar to those from Experian and that follow a similar format.

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