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Question By
klo8700

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Why Do I Have a Bad Equifax Credit Score?
I have never had a credit card. I took out a 1400 dollar loan for school, which I paid back in full before it was even due for payment. Before I paid this back, I had a fair credit score. After paying this loan, I log in and see that my Equifax credit score is "Very Poor." What gives and how can I fix this?

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Credit Karma Team
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Hi klo8700,

Your Equifax credit report might contain different information than your TransUnion credit report. You can review them side by side to investigate further. Pay special attention to "derogatory marks".

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Mine is low too.

The score on here is almost 100 pts less than my Fico score on MyFico. I'm wondering how that's possible when my credit has gotten better.

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