And only recently did we start reporting to Experian. 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. 300 to 579 (poor credit): Most lenders will reject applications from borrowers with a score in this range. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. Depending on what your scores are, you may wonder what they mean. Experian CreditWorks Basic: View your Experian credit report for free every month. There’s a difference in algorithms between TransUnion vs. 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. 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). For example, your Experian credit score. Since then TU has been the laggard of the three most of the time. Credit card utilization is the ratio of credit card balances to available credit card limits. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. FICO. These companies compile information about your credit into reports that are used to generate your credit scores. Meanwhile, VantageScore 3. There are two plans available: eCredable Lift for $24. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Credit mix: 10%. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. 5 / 5 - Excellent #1 in Credit Reporting. This data is then distilled and calculated to create your credit score. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. Equifax. 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. VISIT SITE. You were the victim of identity theft. 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. Credit bureaus such as Equifax and TransUnion actually produce many different scores. Some report to all three. Generally, anything over 556 is an acceptable credit score. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. The base FICO ® Scores range from 300 to 850, while FICO's industry-specific scores range from 250 to 900. The scores we provide are actual. The other two only show one credit report and the name of your employer and do not add any weight to that fact. 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. The VantageScore model wasn’t introduced until 2006. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. Gives you a better understanding of your credit and more confidence when you apply. 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. The FICO scores are MUCH LOWER than the actual Equifax and TU scores. That applied to both individuals and family plans. Say you have a loan from a lender that only reports to TransUnion. It's a good idea to take advantage of this every year, to check that everything is accurate and. Another invisible difference between these agencies is the data collected. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. Experian utilizes the FICO scoring model while TransUnion scores are based on the VantageScore model. Multiple late payments matter more. 0 and 2. Regarding credit reports, Equifax includes 81 months of credit history, whereas TransUnion includes 84 months. Credit-scoring models can differ and. Learn more. They’ll be in red and in order of importance. Although your scores in the two credit scoring models should be similar, it makes sense to check the score lenders are more likely to use. Why is my Equifax score so much 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. 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. These are things like lates and collections and. ”. I called Equifax to find out why they were vending a different credit score to the lender than to me. Got the credit report back in mail and it seems equifax beacon 5 (FICO score 5) came out like 30 points lower than Experian (FICO 2) and Transunion (FICO 4). A 150-Point Difference in ScoresSimilarly, if you pay off a credit card debt and close the account entirely, your scores could drop. Credit score ranges vary based on the credit scoring model used, but are generally similar to the following: 300-579: Poor. Each company has its own method of collecting financial information. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. Users of TransUnion eCredable Lift can report their utility bill payments, resulting in an overnight improvement to their credit scores. ”. 95 per month. Certain things are plus or minus out of 800 this is your score. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. 9. Why is my TransUnion score so low compared to Experian? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and. 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. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. So, if you have a $4,000 credit limit, your balance should remain below $1,200. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score,. 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. Legally you are entitled to request a credit report from Transunion and Equifax one time a year. 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. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. While it is possible for you to have only one credit score, it's unusual. Financial Smarts Transunion vs Equifax TransUnion® Vs. 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. It's basically the difference between a report and a score. But if you find a significant difference, it’s worth investigating. Transunion Vs. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. Transunion Vs. 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. I thought 900 was a hypothetical score, like someone bowling 300. 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 . 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. That applied to both individuals and family plans. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. FICO Scores range from 300 to 850. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. Different FICO models can produce very different scores. Experian and Transunion are usually much higher, but neither really tops the other consistently. 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. Some lenders only report to one credit bureau, while other lenders report to both. The reason why TransUnion score is higher than Experian score is because they use different data models to assess creditworthiness. Additionally, your score may fluctuate over time due to changes in your credit report. 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. 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. Your score differs. 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. company, sells its score to both Equifax and TransUnion. First things first. 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. Differences in credit scoring formulas. 10% types of accounts, known as credit mix. Just follow the general advice given to you and you'll be fine (pay all your bills on time, keep utilization low, let credit age, open various types of loans, etc. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. 03-29-2007 08:24 PM. 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. 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. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). 0, which is used far less often. Score: 4. 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. The information available online shows that Equifax uses an 81-month credit history. 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. 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. 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. 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. com. Citi usually pulls credit reports from Equifax or Experian. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. If you plan on applying for credit, make sure to check your FICO Score since there’s. Score: 4. There are many different scoring models. 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. And a lender may report updates to different bureaus at different times. 45. . These factors are likely to yield different credit scores, even if your credit reports are. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has. Suzanne Kvilhaug. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. Theyll likely be slightly different, and its possible they could be very different. They. There are many reasons why the numbers between Equifax and Transunion may differ so much. 1. They might also weigh your information differently depending on the type of credit account for which you've applied. 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. What a credit bureau is. 0 and 4. In this article, we’ll compare two of the major credit bureaus, TransUnion, and Equifax, and answer the question: which score matters more? Why is my Transunion score different. The higher the number, the more trustworthy the consumer appears to be. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. 590 on Experian, 651 on Transunion, exact same information for both. wrote: wrote: I'm in the same boat. It can certainly explain why your EX score is very different than the others. 1. 0 range from 501 to 990. 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. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. Takedown request | View complete. Since there are so many free credit score resources out there, you should know that FICO is the most widely used credit score among lenders. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. These are all Fico score 8 scores which uses a 300-850 scale. 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. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. 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. 472. 118 and 1 credit report with credit score costs Rs. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. In other words, your credit utilization rate is how much of your available credit you’re using at any given time. You also have auto, mortgage and bankcard 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. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. 0. FICO is 300-850, Vantage is 501-990, PLUS is 330-830, TransRisk is 350-850, and so on). My Transunion scores have always been the highest of the three. In my experiance, they seem to be more up to date on your payment history, but not your balance. A “good” score may rest in the 661 – 720 range. However, interest rates will be higher, and the loan amounts will often be lower. The information is compiled into a credit file. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. Each credit bureau will have a different credit score for each individual. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. 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. 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. In my experience, I've found Equifax is generally more thorough than Transunion. Even large deviations between credit. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also. Your VantageScore® 3. I did an experiment where I put all my spend on one card and none on the other (0%), and Equifax didn't update it until a month later. 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. 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. 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. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. On March 12th, 2019, I disputed multiple records for various discrepancies with all three of the credit bureaus. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. VantageScore – it began in 2006 and is what Credit Karma uses. Is there a specific reason for this? A: The reason your credit scores are different from each other is because of the different information that the credit bureaus have about you. Equifax and TransUnion are two of the most popular credit bureaus in Canada, and more and more people are seeking out their services as they go to apply for mortgages, loans, condo rentals, and. When a lender runs your credit, they’ll usually see your three FICO. Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. Credit score range. Often called "educational" scores. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. The point of this. Even if they have the same accounts and balances they may classify them differently. FICO is a risk score calculated based on your debt history; there are at least 40 different. Multiple factors could account for why your scores are different. It shows my Transunion score from 4 months ago -February 2015 (score=715) and my Equifax score (NO SCORE) as of 1 - 4072030. Equifax. But at my credit union, I have access to two different score models. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same 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. Of course, getting at or close to 0% is best. You have different credit scores, so your other credit score might be higher, or lower, than the TransUnion score you see on Credit. . Cost of the Report. A “good” score may rest in the 661 – 720 range. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. Why is my Equifax score lower than Experian? This is due to a. 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. Experian should give you the negative reason codes that are holding or suppressing your scores if you click on your FICO8 score. The basic FICO credit score range is 300 to 850. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. My FICO went up like with the equifax reported by credit karma. Why are my credit scores. ClearScore gets your credit score and report from Equifax. Dispute directly with the company that reported the information to TransUnion. I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. I wouldn't worry about it. FICO is used in about 90% of lending decisions. 164 (including taxes/handling charges). 0 scoring model. The information is compiled into a. If you’d like to know more about the factors that influence your credit score, read our article on how credit scores are calculated. 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. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. A good score with TransUnion and VantageScore® 3. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. 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. You can find the contact information under the account details section of your credit report. Instead, we work with Equifax and TransUnion to. 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. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. 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. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. You may have a different score with each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian). Both companies collect credit information on individual consumers, which they sell to lenders and. One uses FICO Score 9 based on data in my Equifax credit file. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. Experian is 601 and Equifax is around 689. 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. 0 and 4. Why is my Equifax score lower than FICO? Asked by: Miss Megane Kuphal Jr. Equifax: How to check your credit scores. These factors are likely to. 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. These factors are likely to yield different credit scores, even if your credit reports are identical across the. Applied for multiple lines of credit. 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. The credit history reflected on your credit reports and scores can directly affect your ability to get credit. 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. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. By comparing the different reports from each agency, you can make a more informed decision. The CRA each calculate their scores uniquely so they do tend to move differently for different things. This includes an. Consumers normally do not have a single score but rather many credit scores. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. 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. A credit score discrepancy is a difference in your credit score from one credit bureau to another. Some lenders only report to Experian or Equifax. Don’t be worried if that’s the case. I'm at 705 TransUnion, but I'm at 588 on Equifax. TransUnion vs. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. The most common scores range from 300 points to 850 points. Hello everyone! Not too long ago I made a post about my cobalt application being denied despite my Equifax credit score being 793. Your Equifax credit. But Canadian consumers cannot access their. Lenders can use any of the credit reference agencies to check your credit score in the UK. My Transunion score is in the tank though at around 567. 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, Equifax and TransUnion). 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. 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. 95 a month. TransUnion. Because different lenders rely on different credit reporting agencies,. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. An Equifax credit score is an educational credit score. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. But at my credit union, I have access to two different score models. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. The credit bureaus may not have the. Also the different credit bureaus do calculate the scores differently. In addition, TransUnion reports your employment history and personal information. The Differences Between Equifax, Transunion, and FICO. The other two only report the name of your employer and do not add any weight to that fact. Similar numbers. This model scoring scale starts at 300 (the lowest) and caps at 850. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. Some lenders only report to Experian or Equifax. These factors are likely to yield different credit scores, even if your credit reports are identical across the. Maybe some small difference, like if you get a hard pull, it may only be on one but not the other. Different scores use a different scoring model and are the reason why they vary. I had a few accounts and debts on my report that have all been. I am and have been getting alerts from Myfico about a lot of changes in my TU and EX since the beginning of February. 0 is between 720 and 780. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. Above 800 = Exceptional. 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. 550. If you plan on applying for credit, make sure to check your FICO Score since there’s. Similarly to. The three credit bureaus are Equifax, Experian, and TransUnion. . That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. You’ll have to purchase your credit score separately. Good. Your VantageScore® 3. For example, let's say you're going to buy a house. . 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. And a lender may report updates to different bureaus at different times. That’s because a major factor in credit. Users of TransUnion eCredable Lift can report their utility bill payments, resulting in an overnight improvement to their credit scores. So, it’s normal for your scores to differ from bureau to bureau. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days. Other factors used in determining. That's funny. 5. Both range from 300 to 900, which is the credit score range in Canada. The credit bureaus may not have the exact same information on you. 590 on Experian, 651 on Transunion, exact same information for both. Like before, the higher the score, the stronger your credit. This won’t show up on your Experian or Equifax records. The whole credit industry is weird. They are two different companies that offer two different, albeit similar, products. 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. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. Credit score of 846 out of 999. 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. 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. 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. But if you find a significant difference, it’s worth investigating. It is really affecting me getting an auto loan. It is normal for there to be a difference among your scores because of what goes in to calculating them, and it is normal for your Equifax and Transunion scores to be more similar than Experian because Experian FICO 2 is the 1998 version while both Transunion FICO 4 and Equifax FICO 5 are the 2004 version. FICO Score 9 is already being used by hundreds of lenders, and eight of the nation’s top 10 lenders have either evaluated it, are in the process of evaluating it or plan to do so, according to. The other. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. Also it is at least possible that this is simply a question of the different scoring algorithms computing a different score. 0 credit score was lowered by 72 points. The lower Equifax number is a common concern for many people. Your Equifax score can be lower than your TransUnion score for a variety of reasons. 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. 5/5 (35 votes) . Experian and Equifax are the two largest credit bureaus in the United States.