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Question about credit score
Posted on 3/5/17 at 7:04 am
Posted on 3/5/17 at 7:04 am
My equifax score is a 730 and transunion is 680.. Both have the same debt, accounts, etc.. Can anyone explain this to me please? About to buy a house soon and need to check on this. Thanks guys
Posted on 3/5/17 at 7:38 am to TechDawg2007
Equifax and Transunion use different scoring models.
In your case Transunion is weighing something a lot heavier than Equifax
In your case Transunion is weighing something a lot heavier than Equifax
This post was edited on 3/5/17 at 8:06 am
Posted on 3/5/17 at 9:05 am to TechDawg2007
Credit score is only one piece of the puzzle. Ask your lender about their methodology because most are going to be different.
Posted on 3/5/17 at 12:00 pm to TechDawg2007
i believe your credit score for a mortgage loan will be different than just pulling a ordinary credit report. At least it was for me
Posted on 3/5/17 at 12:23 pm to TechDawg2007
It's normal for their to be small differences but that's a significant one... I would double check and make sure the reports really are completely identical, also make sure the score models are the same (i.e. if one is FICO and the other is Vantage that will throw it off).
Posted on 3/5/17 at 1:45 pm to TechDawg2007
I bet you are getting one vantage score and one normal score.
Posted on 3/7/17 at 1:02 am to TechDawg2007
Ask your lender but most use your middle score and drop your highest and lowest.
I'd order your reports through myfico.com
I think it's $60 for all 3 with scores, but you'll be able to see the scores most lenders use (which is not necessarily the score you get when you run your own credit report)
I'd order your reports through myfico.com
I think it's $60 for all 3 with scores, but you'll be able to see the scores most lenders use (which is not necessarily the score you get when you run your own credit report)
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