Dispute directly with the company that reported the information to TransUnion. First things first. It is really affecting me getting an auto loan. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. 5/5 ( 12 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Here’s why your FICO® Score 9 credit scores could be different. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. If your credit file is different with each credit bureau, then your credit score might be different as well. You were the victim of identity theft. You have different credit scores, so your other credit score might be higher, or lower, than the TransUnion score you see on Credit. Yes, equifax and transunion from credit karma so vantage score 3. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. Each credit bureau will have a different credit score for each individual. A good score with TransUnion and VantageScore® 3. Here are the services that. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score. The Differences Between Equifax, Transunion, and FICO. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. My Transunion scores have always been the highest of the three. The VantageScore model wasn’t introduced until 2006. And a lender may report updates to different bureaus at different times. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. VantageScores below 600 are considered “subprime. All you need is to follow the steps below: Login to your CIBC account on the mobile app. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Fair: 580 to 669. One of the most evident differences between these two bureaus is that Equifax scores range from 280 to 850, but TransUnion scores range from 300 to 850. Fair: 580 to 669. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Because there are varied scoring models, you'll likely have different scores from different providers. . The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 9/5 ( 64 votes ) Your payment history on loan and credit accounts can play a prominent role in calculating credit scores; depending on the scoring model used, even one late payment on a credit card account or loan can result in a decrease. The score from Experian is FICO 08 scored as well. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. Highlights: A credit score is a three-digit number designed to represent the likelihood you will pay your bills on time. The whole credit industry is weird. Everyone’s ability to interpret information differently just makes it nebulous and less than useful for the consumer. Recently got a credit check for a mortgage and the Equifax score was 700, much lower than expected. Even if they have the same accounts and balances they may classify them differently. Current spread is 81 points. TransUnion’s credit monitoring services cost $24. It’s possible you have some pulling your score down on TransUnion that’s not showing up in your Equifax report. Another invisible difference between these agencies is the data collected. Score: 4. FICO is a risk score calculated based on your debt history; there are at least 40 different. Of course, getting at or close to 0% is best. Why is my TransUnion score so low? There are two main reasons why credit scores for the same consumer can vary by more than a few points: Differences in the information on file at the three major credit bureaus – Equifax, Experian and TransUnion. 03-29-2007 08:24 PM. There are a number of reasons for this. An Equifax credit score is a traditional credit score that will range from 101 to 992. Then you at least know the EQ and TU scores are FICO's. 0 scoring model. You’ll have to purchase your credit score separately. On top of that, these credit reporting agencies use different scoring models to produce credit scores. 0 and 4. It's also the least friendly to those just starting out building credit. Re: Equifax Score Not Updating. 590 on Experian, 651 on Transunion, exact same information for both. TU (900) still has me as a student. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. Even large deviations between credit. TransUnion: Credit Rating. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. TransUnion differs in credit history length. . All consumers are entitled to one free. One of the scoring models that TransUnion uses to calculate credit scores is VantageScore® 3. For more information please visit us at and book an appointment today. Both companies collect credit information on individual consumers, which they sell to lenders and. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your. A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711. My CreditWise score as of 9/12 is. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. Credit score range. 0 (ERS 2. Why is my Equifax score lower than FICO? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Only Credit Report costs Rs. Source: MyFICO. Equifax. The other two only report the name of your employer and do not add any weight to that fact. Why is my Equifax score lower than TransUnion? The credit bureaus may have different information. 2. But rather than comparing Equifax vs. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. 0 adopted the same. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. Experian and Equifax are the two largest credit bureaus in the United States. My Transunion score is in the tank though at around 567. TransUnion is bringing up the rear among the three. When I asked the lender about this, they said my score was 670. This is no different when it comes to Equifax vs. For instance, if you have a credit card with a $1000 credit limit reporting as a $100 credit limit, this could cause a big hit to your credit utilization ratio. Though both TransUnion and Equifax do the same thing (calculate your credit score), they do it in different ways – which means it’s not unlikely that your credit score may be slightly different between the 2 companies. The scores we provide are actual. Data Collected. Why is my Experian score lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. This month I've had two statements reported on Feb. Also the different credit bureaus do calculate the scores differently. The other two only report the name of your employer and do not add any weight to that fact. New credit: 10%. 0 scoring model. Credit-scoring models can differ and. 95 a year and eCredable LiftLocker for $9. Multiple factors could account for why your scores are different. Partly because FICO makes many scoring models, and also because the data that goes into the model could come from three different places. “It was close to 730. THere are many more than that. One of the main reasons why your Equifax score may be significantly lower than your TransUnion score is because both credit bureaus use different credit scoring models to calculate your credit score. This means that your credit score may differ even with the same credit history. Multiple late payments matter more. To get your updated score, simply access ‘My Profile’, click ‘Credit Score’, click ‘Get your score’, click ‘See your credit score’ and that is you opted back into the feature. Not all lenders report to the other two. One place to look is derogs. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Equifax and TransUnion scores can only be as accurate as the information they receive. . The scores currently showing on my credit karma account are 720/723 for Transunion and Equifax respectively. Credit bureau: Credit scores are calculated using data listed on your credit report, which comes from one of the three major credit bureaus — Experian, Equifax or TransUnion. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using with a range of 300-850. The other two only report the name of your employer and do not add any weight to that fact. My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. If, for example, you pulled a copy of your Experian report and your lender is looking at your TransUnion report, the data may not. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. This factor can affect your credit scores even if you pay your credit cards off in full each month. Experian 76%. My Equifax is more than 100 points lower than my TU score. TU (900) still has me as a student. 45. wrote: I'm in the same boat. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. These factors are likely to. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. For example, let's say you're going to buy a house. Experian: 715Score: 4. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. Your credit report is a record of how you manage your money. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the criteria. Score: 4. Dispute directly with the company that reported the information to TransUnion. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. . 95, but it is a little hard to find. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. Score: 4. 550. In addition, late payments remain on your Equifax credit report for seven years. And a lender may report updates to different bureaus at different times. . Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. This may be a silly question but how come my Experian score is so much more different than my Equifax and Transunion scores? I get that they vary a little depending on the credit reporting company but my Experian score is drastically lower than the other two and I'm not sure why. FICO. 5/5 ( 12 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. com. But at my credit union, I have access to two different score models. Below are the reasons mentioned for Equifax:What is the difference between Experian and Equifax and which one might be better for you? Read more to find out. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. When a lender runs your credit, they’ll usually see your three FICO. FICO. 580-669: Fair. 99, you can view your Experian, Equifax, and TransUnion credit report as well as your FICO credit score. Along with educational articles, it offers several loan and mortgage calculators. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has. This is why your credit score is so important, not only for credit approval but also for things like your credit limit and the terms of the loan. In general, the higher your score, the better your chances of getting approved for credit cards or loans with more favorable terms, including lower interest rates and fees. Credit bureaus are companies that collect consumer credit information. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. The other two only report the name of your employer and do not add any weight to that fact. I thought 900 was a hypothetical score, like someone bowling 300. 0, which Credit Karma uses. 1. ERS 2. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Why is my Equifax score so low? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. That applied to both individuals and family plans. FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional. Under the menu, click on “free credit score”. Their behavior is governed by the FCRA. troyb. 6/5 ( 59 votes ) If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. A slight drop in your score may not be cause for worry, especially if you're consistently practicing good credit health habits . It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. FICO Scores range from 300 to 850. They’ll be in red and in order of importance. 5/5 (35 votes) . The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. That’s because a major factor in credit. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. It should just be math. first time posting on here! I have pulled my credit reports from TU (743) and EQ (721) and having a WalMart CC have also pulled my FICO score there (684). Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. There are a number of reasons for this. Above 800 = Exceptional. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. Equifax 54%. In my experiance, they seem to be more up to date on your payment history, but not your balance. Very good: 740 to 799. The reason why TransUnion score is higher than Experian score is because they use different data models to assess creditworthiness. Credit score of 846 out of 999. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alerts Go to TransUnion’s site and submit a new dispute. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. In my experience, I've found Equifax is generally more thorough than Transunion. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. 0 is between 720 and 780. My mortgage broker said because of the 588 score, I wont even get an offer from her 30 lendors so she said it's probably not worth even applying/trying until I get that to an even 650 on Equifax. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. Credit Score: Equifax vs Transunion. Why is my TransUnion score lower? Your credit scores are calculated using information in your credit reports, so it's normal to see your score change as lenders provide updates to that information. Equifax is 100 points lower than TransUnion. What a credit bureau is. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. My FICO went up like with the equifax reported by credit karma. I just applied for a new car loan, and - despite my published Equifax score of 780 - was surprised to be offered a rate lower than the rate reserved for "excellent" credit. First, lenders often perform what’s known as a credit check or a hard inquiry to review your credit reports and determine if you’re a suitable candidate for a loan. Why is my Experian score so much lower than Credit Karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Available for free with monthly updates on Paisabazaar. What qualifies as a good score can vary from one creditor to. Why is TransUnion credit score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at. Right there your credit score will appear. When it comes to the TransUnion vs. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. These are FICO 8 scores. Credit Report costs Rs. The higher the number, the more trustworthy the consumer appears to be. Credit Karma says it's using Equifax and Transunion, and both of these agencies are showing similar scores. 15% length of credit history. I had a few accounts and debts on my report that have all been. This is known as “credit utilization” or “credit usage ratio. Scores range from 300 (very poor) to 850 (exceptional). Legally you are entitled to request a credit report from Transunion and Equifax one time a year. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. Would love to know the answer! Hello - 1303709Understanding credit score ranges. 2. When your score is high you have better opportunity for lower lending rates. Your credit card balance is higher than usual. 5 / 5 - Excellent #1 in Credit Reporting. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. This includes an. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. 5. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. To maximize all these scores you. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. FICO. And even if a lender reports your credit information to both bureaus, they may do so on different dates, meaning your credit score could be up-to-date with one bureau and out. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. Credit Score Range. These scores are not provided by Credit Karma. High balances in comparison to credit limits can affect credit scores, and are a common reason for credit scores to fluctuate. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. There are many different types of credit scores and scoring models. Even large deviations between credit scores from. Equifax vs. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. Cost of the Report. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. That applied to both individuals and family plans. It is really affecting me getting an auto loan. By law,. ”. FICO credit scores have the following ranges: Below 580 = Poor. Re: Why is my Experian score 40 points lower than Experian & Transunion? I understand that different FICO score models result in different ranges of scores. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. If you plan on applying for credit, make sure to check your FICO Score since there’s. Often called "educational" scores. FICO scores are generally calculated using five categories of information. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. The lower Equifax number is a common concern for many people. I thought 900 was a hypothetical score, like someone bowling 300. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. Borrowell pulls data from Equifax and CreditKarma pulls data from TransUnion. So, if you have a $4,000 credit limit, your balance should remain below $1,200. The other two only report the name of your employer and do not add any weight to that fact. I did find a couple of minor discrepancies on my Equifax report, disputed them, and they have been "resolved. There’s a difference in algorithms between TransUnion vs. Suzanne Kvilhaug. TransUnion 30%. 472. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. It is also important to note that lenders might send their reports at different periods of time, so it is possible that TransUnion might have fresher updates than Equifax and vice versa. Not on the electoral register (due to a muck up in my local office but soon to be rectified) but that should push me up. Why is my Experian score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. 95 per month. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted . 0. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. 3/5 ( 60 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. There are many reasons why the numbers between Equifax and Transunion may differ so much. 0 and 2. Hello - I'm using CreditKarma to monitor my credit, for over a month now my credit scores have differed by nearly 100 points. 0 based on my TransUnion credit. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. Why is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit reports. " Still no change. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. Re: Why is my Equifax so low. Equifax 834, Transunion 900. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. That’s because the lender may be using a FICO score based on data from a different credit bureau. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on). The most likely explanation is that your three reports are not exactly the same, and that in particular there is something on the EX report that makes its score worse. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. 0. We’ll explain what a credit bureau is, why Experian, Equifax, and TransUnion show different scores, if one bureau’s score matters more than the others, and ways to improve or build your credit score. But one of the above comments is right. The credit bureaus may not have the exact same information on you. Capital One doesn't have a favorite — but often pulls more than one. 0 is relied on by lenders across a variety of industries. The other two only report the name of your employer and do not add any weight to that fact. Equifax scores range from 280 to 850. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your credit accounts. Taking a 290K loan, I have been paying $1900/month for almost 1. Why is my Equifax score 100 points lower than TransUnion? You might expect all of your credit reports and scores to be the same, but they are usually not. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. The other two only report the name of your employer and do not add any weight to that fact. Most banks use FICO scores. FICO 8 is more. Yes. Additionally, your score may fluctuate over time due to changes in your credit report. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. Some lenders only report to Experian or Equifax. Your VantageScore® 3. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. We would like to show you a description here but the site won’t allow us. Why is my Credit Karma score higher than my actual score? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Credit bureaus are companies that collect consumer credit information. Score: 4. Meanwhile, VantageScore 3. Would these all be the same? Not necessarily. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. The scores we provide are actual credit. FICO ® Scores have been updated to reflect this change in behavior. 0 Kudos. Financial Topics Life Stages TransUnion vs Equifax: How They Differ By Jacqueline DeMarco · June 06, 2023 · 6 minute read We’re here to help! First and. com. Frequently applying for credit card or loan offers can certainly cause a drop in your credit score. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. This is why your score can be so different with each one. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. That's funny. By comparing the different reports from each agency, you can make a more informed decision. Length of credit history: 15%. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score,. I wouldn't worry about it. Higher credit scores generally result in more favorable credit terms. FICO is used in about 90% of lending decisions. Second, Experian considers a different. 0). Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. Note that a credit report =/= credit score. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. Hard inquiries help your lenders track how frequently you have applied for credit and can cause. FTC's website on credit. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. Citi usually pulls credit reports from Equifax or Experian. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. 0 based on my TransUnion credit. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score discrepancies. If you have any credit accounts, such as credit cards or loans, you have a credit report. Here’s how the score ranges are broken down: 800-850 – Excellent. g. I have 596 Exp and 670 with the other 2. Experian is often a way better monitoring system based on their record keeping. So if Equifax has access to different information about your credit than TransUnion, your scores from each of the bureaus might also be different. TransUnion and Equifax calculate credit scores differently. We’ll be covering that in greater detail below. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. TransUnion offers a similar product to Experian Boost. 10% types of accounts, known as credit mix. 0 and 2. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you’ll see wide credit score. Here are some reasons a score can drop: Using more of your available credit. The CRA each calculate their scores uniquely so they do tend to move differently for different things. While it is possible for you to have only one credit score, it's unusual. A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. Third parties use many different types of credit scores and.