FICO. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. 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. Good. Another invisible difference between these agencies is the data collected. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. These factors are likely to yield different credit scores, even if your credit reports are identical across the. 0 and 4. Or, if you have an account that is incorrectly reporting a late payment, then this will cause a huge hit to the payment history portion of your score. TransUnion offers a similar product to Experian Boost. 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. A slight drop in your score may not be cause for worry, especially if you're consistently practicing good credit health habits . These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. And less accurate for the lender ultimately. 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. 30% total debt. My Transunion score is in the tank though at around 567. This purchase is only good for a one-time view. 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. TransUnion offers a similar product to Experian Boost. It was a Verizon account paid in a BK that was d/c 4/4/17. TransUnion is bringing up the rear among the three. 4/5 ( 61 votes ) Your Equifax score is lower than the other 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 system. Only Credit Report costs Rs. Under the menu, click on “free credit score”. Why is my Transunion score 35+ points lower than my other scores and is there a way to dispute the score calculation? (I have 6 additional hard inquiries on my Transunion report that are 1-2 years old and I think those might be affecting my score, even though they are over 1 year old). The Equifax is not a FICO score. The lower Equifax number is a common concern for many people. The information is compiled into a. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. For auto and personal loans, banks usually ask only one of the three big credit-reporting firms — Equifax, TransUnion or Experian — for a score, Bingham said. Second, Experian considers a different. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. On the next page, click on "Equifax Credit Report & Score. Credit Karma says it's using Equifax and Transunion, and both of these agencies are showing similar scores. Everyone’s ability to interpret information differently just makes it nebulous and less than useful for the consumer. It however is still being marked as an open collections account. Very good: 740 to 799. 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. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. Each is collecting the same information about your credit history, but it's not uncommon for there to be slight variations among the different reports. They might also weigh your information differently depending on the type of credit account for which you've applied. It's also the least friendly to those just starting out building credit. troyb. 740-799 = Very Good. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. We would like to show you a description here but the site won’t allow us. 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. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. Mostly just confused why the transunion would have gone down regardless of the model used. See your credit utilization rate details for each bureau. (Experian, Equifax and TransUnion). It may also be looking at a different FICO scoring method. Credit mix: 10%. The higher a score is on this scale, the better indication that the consumer poses a lower risk to creditors. Why is my Experian score 100 points lower than TransUnion and Equifax? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & 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. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. Current spread is 81 points. There are two plans available: eCredable Lift for $24. Why is my Equifax score lower than Experian? This is due to a. 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. I work at a credit union and can tell you we only report to Equifax and Experian. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. 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. They use their own model now as per verbiage: "The Equifax ® Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. Taking a 290K loan, I have been paying $1900/month for almost 1. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. 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. Score: 4. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. FTC's website on credit. It was developed by the three major consumer credit bureaus — Equifax, Experian and TransUnion — to create a “more predictive scoring model that is easy to understand. Score: 4. Some lenders only report to one credit bureau, while other lenders report to both. Yeah and I wish they'd explain exactly what they did wrong. In both cases, higher. Above 800 = Exceptional. But Canadian consumers cannot access their. Your score differs. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. FICO Scores range from 300 to 850. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. 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. I have 596 Exp and 670 with the other 2. For more information please visit us at and book an appointment today. Of course, getting at or close to 0% is best. Citi usually pulls credit reports from Equifax or Experian. 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. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. TransUnion: Credit Rating. This difference in emphasis can decrease or increase your credit score. This is just to let the consumer. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. 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. These are FICO 8 scores. 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. Regarding credit reports, Equifax includes 81 months of credit history, whereas TransUnion includes 84 months. The CRA each calculate their scores uniquely so they do tend to move differently for different things. FICO. TransUnion report is accurate and I am pleased with my score. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score, the better. 670-739 = Good. Third parties use many different types of credit scores and. 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. It is really affecting me getting an auto loan. 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. Why is my Experian score so much lower than TransUnion and Equifax? Reasons Why Your Credit Scores Differ From Bureau to Bureau – It’s unlikely that you’ll have the same credit score across each of the three credit bureaus. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. These factors are likely to yield different credit scores, even if your credit reports are. Credit bureaus are companies that collect consumer credit information. All you need is to follow the steps below: Login to your CIBC account on the mobile app. If you have many recent inquiries, lenders may assume that you are having financial problems. Why is my FICO score so much lower than my TransUnion and Equifax? 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. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. FICO and TransUnion’s New Account Score ranges from 300 to 850; Vantage, from 501 to 990; Equifax’s is between 280 and 850 and Experian ’s is 330 to 830. . 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. Equifax vs. Why is my Equifax so much lower than TransUnion? The lower Equifax number is a common concern for many people. . Good: 670 to 739. The most common scores range from 300 points to 850 points. Conversely consumers with lower FICO scores at bureau "A" will likely get low FICO Scores at the other two bureaus when the underlying data is the same across the bureaus. Can someone tell me why the MyFICO TU score is 59 points. Each company uses their own proprietary means. 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. . A good score with TransUnion and VantageScore® 3. The information available online shows that Equifax uses an 81-month credit history. ”. So if you don't see Equifax in. This model ranges from 300 to 850. Why is my TransUnion score way lower than Equifax? The credit bureaus may have different information. 280 - 850. And a lender may report updates to different bureaus at different times. 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 other uses VantageScore 3. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. The basic FICO credit score range is 300 to 850. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. Some report to all three. The other two only report the name of your employer and do not add any weight to that fact. 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. Theyll likely be slightly different, and its possible they could be very different. 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. New credit: 10%. You Might Have Scores From Different Dates. TransUnion ranges from a low of 300 to a high of 850. So, if you have a $4,000 credit limit, your balance should remain below $1,200. 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 . Higher scores mean you have demonstrated responsible credit behavior in the past, which may make potential lenders and creditors more confident when evaluating a request for credit. Why are my credit scores. 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. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9 months. A “good” score may rest in the 661 – 720 range. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. If you discover that an impostor is using your identity, don’t panic. But remmember too that those scores are only about 7% apart. The other. 0 range from 501 to 990. They. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. 0 and 2. The only discrepancies that I see from my creditkarma report is transunion reports 3 inquiries (3 credit cards) while Equifax reports 1 (just my verizon wireless--soft pull I presume) and on transunion the only thing that is not showing up is a recent payment that I made on my Bank of America card that brought my utilization on that card from 99% (I. One uses FICO Score 9 based on data in my Equifax credit file. This won’t show up on your Experian or Equifax records. The other two only report the name of your employer and do not add any weight to that fact. TransUnion is bringing up the rear among the three. 300-900. TransUnion uses the VantageScore ® credit scoring model to calculate your credit score. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. 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. Meanwhile, VantageScore 3. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. If you’re wondering why your Experian score is lower, you’re in the right place. 0 scoring model. Equifax vs. 5. Of course, there are several different versions of FICO scores, and the one your lender uses could be different than the one you get from Discover or Experian's. Equifax 834, Transunion 900. 2. Why is my Equifax 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. com and my transunion fico score is WAY lower than my Equifax fico score. Not all lenders report to the other two. 0 based on my TransUnion credit. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. | Last update: February 9, 2022. 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. Certain things are plus or minus out of 800 this is your score. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. “It was close to 730. 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. 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. 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 says 90 per cent of Canadian lenders use it, including major banks. FICO scores are generally calculated using five categories of information. They’ll likely be slightly different, and it’s possible they could be very different. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. The only difference is that I have a single collections account reporting which is bogus. Length of credit history: 15%. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. VantageScore 3. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. It is really affecting me getting an auto loan. These are all Fico score 8 scores which uses a 300-850 scale. Re: Why is my Equifax so low. Sponsored. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. 2. FICO. From a BK years ago to: EX - 3/11 pulled by lender- 835, EQ -. 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. They are my spouses cards and we share the same address and last name, of course. Mostly just confused why the transunion would have gone down regardless of the model used. What qualifies as a good score can vary from one creditor to. ”. While it is possible for you to have only one credit score, it's unusual. The lower the number, the lower the individual’s credit rating. 0 model includes additional factors such as rent history and a ‘trended’ credit. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. Balance changes, lower utilization, score increase, etc. 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 alertsGo to TransUnion’s site and submit a new dispute. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. Credit Karma uses a different scoring system than the one mortgage lenders use. Experian and Equifax are the two largest credit bureaus in the United States. Why Is My Experian Score So Much Lower Than Transunion And Equifax. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using. 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. Credit Karma offers even more interactive tools and resources than Experian to help you improve your credit scores and meet financial goals. Score: 4. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Lenders can use any of the credit reference agencies to check your credit score in the UK. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. It also impacts your cost of borrowing. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. There are a number of reasons for this. For example, a mortgage lender may look at a different credit score than your bank when they are deciding whether to grant a credit card or a new credit limit. 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). Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. One uses FICO Score 9 based on data in my Equifax credit file. Frequently applying for credit card or loan offers can certainly cause a drop in your credit score. But I have not had any alerts or changes since January 20 on Equifax at all. Experian always seems to be my middle score while Equifax brings up the rear. Why is my Experian score 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. Some lenders only report to Experian or Equifax. 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. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. 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. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s;As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. Partly because FICO makes many scoring models, and also because the data that goes into the model could come from three different places. 0 scoring model. There are many different scoring models. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. Inquiries stay on your credit report for. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. 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. Experian is 601 and Equifax is around 689. 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. Equifax: 711. I had a few accounts and debts on my report that have all been. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Additionally, your score may fluctuate over time due to changes in your credit report. 99, you can view your Experian, Equifax, and TransUnion credit report as well as your FICO credit score. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. S. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. It's basically the difference between a report and a score. So, if you have a $4,000 credit limit, your balance should remain below $1,200. 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. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. I am and have been getting alerts from Myfico about a lot of changes in my TU and EX since the beginning of February. If your credit file is different with each credit bureau, then your credit score might be different as well. 0). A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. If all is well, each agency should have all of your information identically. 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. This month I've had two statements reported on Feb. FICO, which is a U. Credit Karma for credit score accuracy, you may want to understand first why you have multiple credit scores — and how your scores affect your financial progress. On top of that, these credit reporting agencies use different scoring models to produce credit scores. Often called "educational" scores. A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711. The Differences Between Equifax, Transunion, and FICO. Why is Equifax always lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Credit Score Range. 580-669: Fair. 0 Kudos. 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. Suzanne Kvilhaug. We would like to show you a description here but the site won’t allow us. 118 and 1 credit report with credit score costs Rs. FICO scores are calculated based on five categories that each make up a percentage of your score: 35% payment history. Good Morning, Apologizing in advance if this question has been asked previously. 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. VISIT SITE. Here are some reasons a score can drop: Using more of your available credit. Equifax: why are my credit scores different? Your scores might be different on your Equifax and TransUnion credit reports. Equifax's different credit scoring model results in lower 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. 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. 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. Equifax vs. Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores. 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. Say you have a loan from a lender that only reports to TransUnion. Tackling those reasons will help improve your score along with practicing good credit behaviors. Re: Why is my transunion fico so much higher. Dispute directly with the company that reported the information to TransUnion. 0 is between 720 and 780. This includes an. 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 adopted the same. Consumers normally do not have a single score but rather many credit scores. 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. 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. Most banks use FICO scores. Why is my Equifax score much lower than TransUnion? The credit bureaus may have different information. 0 in July 2021 was 693. At first, VantageScore credit scores featured a different numerical scale (501 to 990). The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. 95, but it is a little hard to find. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. Your credit report is a record of how you manage your money. Good: 670 to 739. 0 (ERS 2. Lenders are generally checking your FICO score, which is yet again different than either the Equifax or Transunion. It's important to know that you have more than one credit report. 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. 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. Credit Score: Equifax vs Transunion. Experian CreditWorks Basic: View your Experian credit report for free every month. Your VantageScore® 3.