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Question By
apples44

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Why is there 20 points difference in Equifax and Trans Union report?
Equifax is not correct

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They are different companies, they have different ways of calculating scores and they may have different information on you. Neither company is incorrect as long as they are not showing incorrect information on you. If you find incorrect information on your credit reports, then you need to dispute that info with the credit bureau that is showing it. The dispute process is explained on the websites of Transunion, Equifax and Experian.

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Reply by
icuhowie

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"they have different ways of calculating scores"  wow using the same vantage score 3 credit score model?    mmmm don't think go.

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they both supplied credit scores using the same credit score model.   The data they have on you can be different  causing the difference in the scores.

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