Credit score question

Which one do you think is more accurate? I haven't had anything negative hit in a while (that I know of)

Is the scoring model different? As i one goes to 800 and the other to 900 or something like that?

Former loan officer, would always pull 3 different reports. All would vary by about 30 points in some cases. I always went with Equifax as it seemed to be most accurate. BTW, your credit score updates about every 30 days not daily.

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Experian is the report that all the banks use. You can usually get your experian score if you just ask your bank. All the big banks use experian. Chase, BofA,Citi, etc all only value experian.

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You are very wrong. When I applied for Chase sapphire they pulled Equifax. Banks are not married to one credit beureau. Most larger financial institutions report to all three and can pull from all three.

Because there are dozens of different credit scores being given or sold to the public and they all have different scoring models which weigh factors differently. My CreditKarma score is consistently well below my Transunion FICO score. Even the one you get from the Equifax site isn't necessarily their FICO score. This is from the Equifax site:

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The Equifax® Credit Score is based on an Equifax Credit Score model and is not the same as scores used by 3rd parties to assess your creditworthiness.1

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1.) Call local mortgage broker.
2.) Confirm he pulls Tri-Merge credit score report from all three bureaus.
3.) Ask him what is the cost per Tri-Merge (typically less than $20/pull).
4.) Offer to double it in exchange for the pull and a quick overview of what you're reading (because you won't really understand what you're seeing and they review them DAILY with customers).

Absolutely worth it.

Not trying to hijack your thread, but I have a question about my credit score. I only have a mortgage (no car payments, credit cards or student loans).

The man I use at my bank (where my mortgage is) told me that my credit score was lower than it should be because of my lack of revolving credit.

After college I got into trouble with credit cards (I am over 40 now) and resolved to not do that again, and after about 3 years I had them all paid off. I only have a debit card and have had no problems using it only. If I am traveling I just call the bank and have them raise my daily limit.

If I got a regular credit card and paid it off each month I assume that would help my score???

Would there be a negative to paying off balance weekly? I hate owing money, but you never know when you might need to borrow money and want my score as high as possible.

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Would there be a negative to paying off balance weekly? I hate owing money, but you never know when you might need to borrow money and want my score as high as possible.

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No there's no negative to that plan. You could pay it off daily if you want. Having that revolving line of credit will undoubtedly raise your credit score.

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If I got a regular credit card and paid it off each month I assume that would help my score???

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It would help some. The optimum number of open revolving accounts is around 8-10. The balance that gets reported to the credit reporting agencies monthly is your statement balance which is reported once a month.