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mjjf

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Trans Union reporting on CK is different than Trans Union on B of A
there is a 30 point discrepancy on my credit report, but both are submitted by Trans Union, why is that? which one is correct?

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Top Contributor
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Its due to deifferent scoring models and unfortunately we have 100s out there, not all score models were created the same. The "correct" one is whatever your lender uses, not only different lenders might uses different models, even the same lender might wish to use different score models for different products they offer.

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