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Julzzzzz

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Which score matters most?
Equifax or experien?

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Depends on which one a particular future creditor values the most.  We cannot control which of the three credit bureaus our credit accounts report to, so it is wise to make sure all three have good payment records showing.

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fico

Helpful to 2 out of 4 people

Where can I

 I see fico scores at?

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All 3 Bureaus Matter

Helpful to 1 out of 2 people

In general, all 3 bureaus matter. With that said, many creditors will tend to favor one or more over the other(s). Many creditors don't pull all three when applying (1 or 2 is typical), but will often update all three with monthly payment data. Which bureau(s) are pulled during a credit check is due to creditor preference, which may also be influenced by where the cardholder resides.

Search the net for the credit card(s) you're seeking to determine what bureau they're most likely to query. Also, there are some other ways to influence what bureau(s) are pulled, such as through credit report freezes. Use of such strategy is rarely necessary nor effective, except in instances in which one's three credit bureau files are very different (ie. one report showing baddies, such as charge offs, but the others are "clean" with such info).

Bottom line, best to focus on improving your credit than which bureau's report looks better, because most of the time, they'll all be closely similar with little variation in regards to scoring. Also, some creditors will allow some leeway / adjust for one bureau report being somewhat lower than the others.

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