Why is my Equifax credit score so much lower than Transunion and Experian.?
Question by : Why is my Equifax credit score so much lower than Transunion and Experian.?
The content is identical to both Transunion and Experian, but Equifax is nearly 100 points lower. I was thinking about buying my first home, but I’m afraid to even try to get prequalified.
Best answer:
Answer by irishkittie79
It’s all in the calculations and each bureau does it differently. Ask the lender which one they will use or if they use them all. Some will use the FICO score which is independent of the 3 credit bureaus. Do not worry about your score at this point, look at your debt to credit and pay off what you can and then apply for your loan and see if you get pre-approved. Be sure to shop around.
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Categories: Credit Score Questions Tags: Credit, Equifax, Experian, lower, much, Score, Than, TransUnion
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