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Minidez

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Why is my credit score different?
Does anyone know why my equifax score is lower on cl than it is on the actual equifax website? Which one is correct?

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Top Contributor
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heres the truth about scores.

You can have many many different scores at the same time.  

Theres a long explaination for this but generally think of it as the scores were pulled on different days. Your score changes every time you make a charge on your credit card and every time you make a payment. so unless all scores were pulled at exactly the same time, they will always be different. 

As long they are fairly close then there is nothing to worry about.  If one is significantly different, that might warrant some investigation. 

hope that helps

Top Contributor
474 Contributions
202 People Helped

Please know that there are 100's of scoring system.  CK here uses Vantage, the score given to you from EQ is most likely one of the 20+ FICO scores.

TU/EQ/EU are just data bases of items reported dealing with loans you have take, or money owed others.  Then the data is put into one of the scoreing systems to get a "score".  Quite often there is 20-30-50 points difference on the scores, and this is why when you buy a large ticket item like a home or car it is wise to shop around to a few different lenders to see what their scores show you.  One of them will be higher and get you a better deal.

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