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app4gt

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Equality:Why are my credit scores different when the reporting is identical?

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You get no score form Tansunion (or any other Credit Reporting Agency), lenders get no score from transunion, CK gets no score from transunion.  Transunion, is only a database of your credit history.  CK then takes that data and plugs it into Vantage to come up with a score.  Your car loan took that same data from Transunion and put it into a different one, maybe a FICO2 (or even one they made up themselves), and then Crdit Card took the same data from Transunion and maybe they put it into FICO8.

Tansunion may give you a score if you ask them when you pull a yearly report, but they might use FICO23 who knows. Lenders themselves do not get a score from Transunion though, just the data.

Each model will rate different factors higher.  A homelender wants to see very low credit card usage, and needs to see diversity. A credit card lender may actually like to see higher usage, but if you have any late payment it will kill you. These are only examples of how the score can vary.  I am about 20-30 points lower (than shown here in CK) for a car loan, and yet for a home loan I was 40-60 higher than what CK shows.  so this is about a 90 point difference between the two within a few months, with no major change in the score here at CK just a couple points drop due to the hard inquiry

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The reason why

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Experian, Equifax & Transunion all report different information under payment status.  Equifax usually reports "OK" all the time Transunion typically reports "no data" that is why they are differnt I would request all 3 bureaus from Annual credit report and dispute inaccurate information.  Hope this helps

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NANKRUPTCY SHOULD BE CLEARED FROM EXPERI

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AND EQUIFAX,,,,IT IS FROM TRANSUNION

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Googles "Credit Score Models"

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