0, which is used far less often. 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. The lower the number, the lower the individual’s credit rating. Tackling those reasons will help improve your score along with practicing good credit behaviors. 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). Would these all be the same? Not necessarily. Each company has its own method of collecting financial information about you, and the. Even large deviations between credit scores from. 5. Why is my Equifax score lower than TransUnion? 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. They are my spouses cards and we share the same address and last name, of course. Then you at least know the EQ and TU scores are FICO's. Each credit bureau will have a different credit score for each individual. Right there your credit score will appear. Instead, we work with Equifax and TransUnion to. If you’d like to know more about the factors that influence your credit score, read our article on how credit scores are calculated. The point of this. Use? , 90% of system design is similar few numbers in life accuracy or completeness of Equifax in the United one credit report. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. A credit score is a three-digit number, typically between 300 and 850, designed to. Theyll likely be slightly different, and its possible they could be very different. Different scores use a different scoring model and are the reason why they vary. Equifax is reporting nearly 100 points lower, actually updated today I see it dropped another 22 points because I. There are two plans available: eCredable Lift for $24. Can be off by up to 100 points —causing you to under or overestimate your creditworthiness. My FICO went up like with the equifax reported by credit karma. A few inquiries a year is normal, but may cause a temporary drop in your credit score. Suzanne Kvilhaug. TransUnion is bringing up the rear among the three. 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. Some lenders only report to Experian or Equifax. 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. Applied for multiple lines of credit. However, interest rates will be higher, and the loan amounts will often be lower. Chase favors Experian, but may also buy Equifax or TransUnion reports. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. 164 (including taxes/handling charges). Consumers normally do not have a single score but rather many credit scores. It’s possible you have some pulling your score down on TransUnion that’s not showing up in your Equifax report. These factors are likely to yield different credit scores, even if your credit reports are identical across the. TransUnion provides the VantageScore 3. Transunion Vs. Why is my TransUnion score 100 points lower than my Equifax? You might expect all of your credit reports and scores to be the same, but they are usually not. These are things like lates and collections and. New credit: 10%. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. The widely used FICO credit score, which is derived from information in your credit file, ranges from a low of 300 to a high of 850. I wouldn't doubt if my EX score was 100 points lower than my TU or EQ 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. When it comes to the TransUnion vs. A higher score means lower risk and vice versa. Partly because FICO makes many scoring models, and also because the data that goes into the model could come from three different places. 0 range from 501 to 990. 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. These factors are likely to yield different credit scores, even if your credit reports are. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your. While they consider many (if not all) of the same factors when calculating your score,. Why is my Equifax score lower than FICO? Asked by: Miss Megane Kuphal Jr. Re: Why is my Equifax so low. Another invisible difference between these agencies is the data collected. Additionally, your score may fluctuate over time due to changes in your credit report. If you plan on applying for credit, make sure to check your FICO Score since there’s. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. An "official" credit report is the one that a lender pulls direct from equifax or transunion. Score: 4. If you plan on applying for credit, make sure to check your FICO Score since there’s. Balance changes, lower utilization, score increase, etc. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. One place to look is derogs. After speaking with two mortgage specialists, I was led to believe that the two scores would be within 10 points of each other. VantageScore – it began in 2006 and is what Credit Karma uses. Of course, getting at or close to 0% is best. If your credit file is different with each credit bureau, then your credit score might be different as well. 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 150-Point Difference in ScoresSimilarly, if you pay off a credit card debt and close the account entirely, your scores could drop. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. In my experiance, they seem to be more up to date on your payment history, but not your balance. 95 a year and eCredable LiftLocker for $9. I haven't yet gotten a FICO on my EX report, but I know my EX report has a ton of other accounts on it and all my HPs from the last 24 months. Higher credit scores generally result in more favorable credit terms. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. A person’s Experian credit score may be lower than their TransUnion or Equifax scores for several reasons. Additionally, if the account you closed was your oldest line of credit, it could negatively impact. Your VantageScore® 3. I have 755 with Transunion, and 646 with Equifax. TransUnion offers a similar product to Experian Boost. For example, let's say you're going to buy a house. Taking a 290K loan, I have been paying $1900/month for almost 1. Why is my Equifax 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 any given time. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. TransUnion and Equifax calculate credit scores differently. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. Would love to know the answer! Hello - 1303709Why is my Experian score so much 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. 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. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. " 03-23-2012 12:19 AM. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. I have 596 Exp and 670 with the other 2. On top of that, these credit reporting agencies use different scoring models to produce credit scores. These scores are not provided by Credit Karma. FICO 8 is more. They have change slightly since I originally post the. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. 95 per month to $19. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. Your score differs. The VantageScore model wasn’t introduced until 2006. 0 is between 720 and 780. The lower the number, the lower the individual’s credit rating. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. 0 scoring model. Users of TransUnion eCredable Lift can report their utility bill payments, resulting in an overnight improvement to their credit scores. Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. For more information please visit us at and book an appointment today. If it makes you feel better, most lenders don't even check them. They’ll likely be slightly different, and it’s possible they could be very different. Experian should give you the negative reason codes that are holding or suppressing your scores if you click on your FICO8 score. Not all lenders report to the other two. Credit score ranges vary based on the credit scoring model used, but are generally similar to the following: 300-579: Poor. Your credit card balance is higher than usual. 0 is between 720 and 780. I work at a credit union and can tell you we only report to Equifax and Experian. Which is better TransUnion Equifax or Experian? Based on our analysis, Experian provides the best service for the money. 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. This month I've had two statements reported on Feb. In fact depending on the credit bureau it can range up to 80 point difference. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. Your student loans might affect your credit scores in several different ways. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. 95 a month. Transunion: 676. The higher the number, the more trustworthy the consumer appears to be. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. One of the scoring models that TransUnion uses to calculate credit scores is VantageScore® 3. Scores range from 300 (very poor) to 850 (exceptional). The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. Debt balances make up about 30% of the typical credit score. TransUnion offers a similar product to Experian Boost. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. FICO credit scores have the following ranges: Below 580 = Poor. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. We all collect similar information, and. A good score with TransUnion and VantageScore® 3. Most lenders (at least in the midwest) pull their reports from Equifax and almost all of them report to Equifax, which is why it tends to be the lowest of the three. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. company, sells its score to both Equifax and TransUnion. Why is Equifax lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Hello - I'm using CreditKarma to monitor my credit, for over a month now my credit scores have differed by nearly 100 points. . As the information on your reports directly impacts your credit score, it can be beneficial to check the reports and make sure everything is correct. 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. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Meanwhile, VantageScore 3. 0 is relied on by lenders across a variety of industries. 0 scores from TransUnion and Equifax. The other two only report the name of your employer and do not add any weight to that fact. One or more of your lenders aren't reporting to Transunion. Equifax is 100 points lower than TransUnion. But at my credit union, I have access to two different score models. Equifax: 711. Experian is one of the three major credit bureaus, along with Equifax and TransUnion. Deriving from the name of its founder–the Fair Isaac Corporation – the FICO score is a general purpose credit scoring system that was created with the intent of eliminating inconsistencies between each lender’s own system. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Equifax, Experian and TransUnion are the three credit bureaus responsible for reporting your credit score. 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 a Nutshell. The answer is easy. Variations in the data reported by creditors and lenders, as well as. 0 model includes additional factors such as rent history and a ‘trended’ credit. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. The Equifax credit score you receive from the Borrowell website is generated directly from Equifax and is called the Equifax Risk Score 2. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. 300-900. Why is my Equifax score lower than TransUnion? The credit bureaus may have different information. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. However, these agencies may use this model to weigh each factor differently. Different FICO models can produce very different scores. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. Score: 4. If you are a CIBC client and are using the bank’s mobile banking app, you can check your Equifax credit report for free online. Even if they have the same accounts and balances they may classify them differently. Experian. There are two main scoring systems: FICO – it was created in the 1950s and is used by mortgage lenders. I signed up for experians free credit report which includes your actual FICO score - I really wanted to know this number as I've read that Chase uses Experian scores for ecredit consideration and I was recently rejected for a Chase Saphire card. 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. I did find a couple of minor discrepancies on my Equifax report, disputed them, and they have been "resolved. TransUnion reports I have better credit than 2/3rds of the country but Equifax says I have better credit than only 1/3rd of the country. 0 and 2. 5 / 5 - Excellent #1 in Credit Reporting. 30% total debt. 0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. 2. . There are many different types of credit scores and scoring models. Dispute directly with the company that reported the information to TransUnion. It should just be math. Yeah and I wish they'd explain exactly what they did wrong. They might also weigh your information differently depending on the type of credit account for which you've applied. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. On the next page, click on "Equifax Credit Report & Score. If you have many recent inquiries, lenders may assume that you are having financial problems. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. The above actions will provide the necessary details needed by TransUnion to recalculate your score using your new address details. Some report to all three. Although FICO and VantageScore use the same data, they process. ERS 2. Why is my Equifax score lower than Transunion? That’s like almost 100 point difference between Transunion and Equifax! The difference between my personal Transunion and Equifax credit scores. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. Multiple factors could account for why your scores are different. The middle one was Transunion FICO 4 at 762, so I am getting the best rates. Would these all be the same? Not necessarily. . That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. Score: 4. When lenders review your credit report for the purpose of an application, a “hard inquiry” is placed on the credit report they checked. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Equifax and TransUnion scores can only be as accurate as the information they receive. 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. I thought 900 was a hypothetical score, like someone bowling 300. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. Equifax vs. There is now, an almost 50 point difference, in the negative, between my Transunion score and the others. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. Credit Score Range. They. Each company uses their own proprietary means. 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. 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. Similarly to. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. The higher a score is on this scale, the better indication that the consumer poses a lower risk to creditors. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. 590 on Experian, 651 on Transunion, exact same information for both. 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 lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. It's also the least friendly to those just starting out building 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. All you need is to follow the steps below: Login to your CIBC account on the mobile app. Banks, credit card companies and other lenders would be reluctant to approve credit to individuals with a low score as they are nervous about the potential for repeated defaults on payments. 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. That’s because the lender may be using a FICO score based on data from a different credit bureau. Small-balance collection accounts matter less. TransUnion: Credit Rating. FICO 5 relies solely on data from the credit reporting agency Equifax, while FICO 8 uses data from all three major credit reporting agencies: Equifax, Experian, and TransUnion. 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. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. Credit Score Ranges. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. Learn more. FICO® Score 9 looks at medical debt, paid collections and rental history differently than previous versions of the FICO® credit-scoring models. 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. Also, back in the FICO 04 days, the algorithms were customized for each CRA. The higher the number, the. Equifax 54%. VantageScores below 600 are considered “subprime. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. These are things like lates and collections and. 95, but it is a little hard to find. So your FICO scores are your most relivant scores, followed by Vantage scores. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. But if you’re looking to take out a loan anytime soon, we still. If you’re wondering why your Experian score is lower, you’re in the right place. So, if you have a $4,000 credit limit, your balance should remain below $1,200. 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. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. 0 and 4. Transunion Vs. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. If we didn't, seemingly normal credit usage today would be considered a higher risk than in years past. Some people want to achieve a score of 850, the highest credit score possible. Equifax and Transunion use FICO 04 models for mortgage scores (309-839 and 334-818). Why is TransUnion so much lower than others? Equifax and TransUnion have different scores because slightly different information is reported to each credit reporting agency. 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. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. If you had unexpected expenses and you put them on a credit card or cards, your credit score could drop. Equifax and TransUnion have access to different. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. This is free. This is just to let the consumer. Length of credit history: 15%. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your 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. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. 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. A credit score is no more than a snapshot of your credit profile at one point in time. Your score — along with other. 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. A credit score discrepancy is a difference in your credit score from one credit bureau to another. Credit mix: 10%. My Equifax is more than 100 points lower than my TU score. Finally, let’s address what might be the most frightening reason for a drop in credit scores: Someone could have stolen your identity and applied for (and opened) credit accounts in your name. The CRA each calculate their scores uniquely so they do tend to move differently for different things. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9 months. My VantageScore number is 41 points lower than my FICO score -- still lower, but a less drastic difference than what Brian saw. Message 2 of 8. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Score: 4. Hello everyone! Not too long ago I made a post about my cobalt application being denied despite my Equifax credit score being 793. Edit: The reason Credit Karma is stating for the low score is a combination of a high number of hard pulls and that my average account age is too new. 95 per month. On the home page, click on "View All Products. 300 to 579 (poor credit): Most lenders will reject applications from borrowers with a score in this range. Your credit report is a record of how you manage your money. FICO. Citi usually pulls credit reports from Equifax or Experian. Why is my Experian score so much 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. Here are the services that. 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. Depending on what your scores are, you may wonder what they mean. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. . Experian’s free credit score is the FICO Score 8, the score most lenders use. The information is compiled into a credit file. My relative's TransUnion score is currently in the 680s, the Experian score is in the 650s but the Equifax is only in the 620s. Your VantageScore® 3. 1 Credit Report with credit score costs Rs. My Transunion scores have always been the highest of the three. 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. Provided your lenders report your payment history to the three nationwide consumer reporting agencies, a secured credit card can be a powerful tool for building and improving credit. When your score is high you have better opportunity for lower lending rates. Why is my Equifax score low? A low score (less than 650) indicates a high-risk customer with a high probability of defaulting on debt obligations. The most common scores range from 300 points to 850 points. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using. FICO says 90 per cent of Canadian lenders use it, including major banks. You can find the contact information under the account details section of your credit report. 95 a year and eCredable LiftLocker for $9. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. Here’s why. These are FICO 8 scores. One uses FICO Score 9 based on data in my Equifax credit file. For example, let's say you're going to buy a house. 0 scoring model. This includes an. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Why is my TransUnion score so much lower than Equifax? The credit bureaus may have different information. In fact, 90% of lenders check FICO Scores rather than any other types of credit scores, though VantageScore is rapidly gaining popularity. It's basically the difference between a report and a score. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. Why is my Equifax score lower than Experian? This is due to a. 15% length of credit history. In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. It was a Verizon account paid in a BK that was d/c 4/4/17. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. ”. 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. And a lender may report updates to different bureaus at different times. A few hours later, my Equifax Vantage Score 3. The basic FICO credit score range is 300 to 850. Say you have a loan from a lender that only reports to TransUnion. Equifax Equifax scores range from 280 to 850. WHY?? This makes no sense to me, if FICO is derived from Equifax and TU how. The credit bureaus may have different information. See moreWhy 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. Equifax Any site that compares numbers and does a bunch of data-crunching will probably have their. Just remember that none of your free credit reports include your credit score. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on).