annual credit report, question!
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annual credit report, question!
| Mon, 08-29-2005 - 1:55pm |
Hi everyone! I just accessed my free credit report at annualcreditreport.com. I don't understand something...my transunion score is almost 100 pts lower than my experian, and equifax falls somewhere in the middle. I have never had a late payment but my scores are crummy because I owe everyone money due to student loan debt. And I have had a few inquiries into my score lately. I am wondering why there is such a discrapancy in scores between the three companies, and which one(s) are most commonly viewed by creditors? My first score was low 600's (trans) the second was low 700's, and the third was high 600's. I'm really confused. None of them reported any late payments or negative marks on my report. Help!

ok, i am no expert, but hubby and i recently bought our first home and we were checking our credit reports every month, so i did learn some stuff. Most places take the median score, so the one in the middle they take. (if they run all three reports...). Is there any differing info on the reports? does one have something that the others don't? also your score may be low if you are at or close to your limits on cards. other than that, i am not sure... maybe you couuld post to the debt q and a board. they are super helpful there.
kel
I dunno either, but it could be due to a variety of reasons. If you're close to maxing out your cards, or have a bunch open, that's probably not a good thing in their eyes. You might contact a representative from the company that you got the report from and ask. I know on the equifax one I just did, it had a section that told me how to improve my score, and gave concrete examples of the things I was doing 'right' and the things I was doing 'wrong.'
Just a thought-
Lisa