KrysBee

Do you happen to know why if the exact same information is included in calculating credit scores? For example, the exact same data is reported on all three of my reports, but the range in scores varies by more than 150 pts. For example, my Experian score is 760, the Equifax is 695, and the TransUnion score is 617. My oldest account is 10+ yrs old, and except for one acct which shows as delinquent (and which I am disputing) the remaining 11 accounts are all in good standing and have been for more than 7 yrs. In addition, I am using about 40% of my total available credit. Each time I apply for credit and the creditor checks TransUnion, my application is rejected but if the creditor checks Experian or Equifax, I don't seem to have a problem.