Saturday, June 12th, 2010

How can my 3 Credit scores be so different?

3 credit scores
Linda T asked:


I ordered a credit report & scores from Experian: score 781(Very complete report) Equifax: score739 (Had only 2 accounts on report and they had been closed since 1989 &1999) TransUnion: score 746 (Payment status on most all of my accounts were either “unrated” or “unrated or bankruptcey” I have never had a bankruptcy and I feel that statement infers that I have. I have applied for a refi on my home (getting rid of an ARM mortgage) and I was told that they would take all 3 scores and average them out. I feel this is not fair to me because of the two credit reports that are not complete. Is there any way that I can make the credit bureau complete my file? Maybe send them a copy of my report from experian? Thanks LindaT

No related posts.

Related posts brought to you by Yet Another Related Posts Plugin.

This entry was posted on Saturday, June 12th, 2010 at 12:00 am and is filed under credit score range. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

6 Responses to “How can my 3 Credit scores be so different?”

golgolbaat Says:
June 14th, 2010 at 10:42 pm

DO as what you think best. Your own idea is good.

LC Says:
June 15th, 2010 at 11:15 pm

There are different credit beareus that different corporations deal with. I can’t explain why they don’t have the same “average” other than the companies tat reported you worked with Equifax and/or TransUnion

But yes, send them your credit report and request feed back. It’s just like when you get a collections agency calling you and they don’t have all of the pertinent information. They will be willing to dig deeper or “work with you.”

GOOD LUCK

Classy Granny Says:
June 16th, 2010 at 8:50 am

Your suppose to contact the ones you feel are in error and make corrections.

elevatingyourbusiness Says:
June 16th, 2010 at 2:55 pm

Each credit company works a bit differently.

One thing to do is follow the process of TransUnion to complain about what’s on your report.

Matt Says:
June 19th, 2010 at 10:34 am

They are separate businesses and all of them have different ways of calculating your score.

Also, not all creditors report to all of the credit bureaus.

you can not make them list all of your accounts. If creditor A reports only to Equifax, you can not make them report to Experian and Trans Union. You also can not make Trans Union and Experian list accounts that have not been reported to them by a creditor.

harish Says:
June 22nd, 2010 at 3:58 pm

Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at

Leave a Reply

You must be logged in to post a comment.