Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
MykkahJane

0 Contributions
0 People Helped
Why are my scores so different??
I use Equifax, Experian, and Credit Karma to monitor my credit. I have limited credit history and am looking to purchase a car in the near future so I wanted to know what my scores were.

Credit Karma: 700
Experian: 720

Equifax: (displays all three scores)
equifax: 650
Transunion:662
Experian: 639

That's an 81 point difference between my Experian score on Experian.com and my Experian score on Equifax.com.

I have no idea what i should look at or why there is such a difference for a score that is from the same company?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
497 Contributions
1203 People Helped
Most Helpful Response

Helpful to 4 out of 4 people

There are dozens if not 100's of scoring models in use today (even within the same credit bureau). The TransRisk score, Equifax and Experian scoring models are hardly worth looking at since a lender will most likely never use those models. Nearly all lenders will use FICO scores and a few lenders have even adopted Vantage Score, so FICO Scores and Vantage Score would be the models worth looking at.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.