The Bottom Line. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. 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. ”. A “good” score may rest in the 661 – 720 range. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. But one of the above comments is right. Equifax and Transunion use FICO 04 models for mortgage scores (309-839 and 334-818). Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores from TransUnion, Experian and Equifax credit bureaus can be so. After speaking with two mortgage specialists, I was led to believe that the two scores would be within 10 points of each other. If you have any credit accounts, such as credit cards or loans, you have a credit report. Using a variety of factors, the company will give you a three digit score ranging from 300 (lowest possible) to 850 (highest possible). Differences in credit scoring formulas. Score: 4. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. One uses FICO Score 9 based on data in my Equifax credit file. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. Can be significantly different than your FICO Scores. Most banks use FICO scores. TransUnion 30%. 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. FICO® Score 8 may punish numerous late payments more severely than previous versions. An "official" credit report is the one that a lender pulls direct from equifax or transunion. 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. A slight drop in your score may not be cause for worry, especially if you're consistently practicing good credit health habits . Why is my Equifax score lower than FICO? 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. And a lender may report updates to different bureaus at different times. These factors are likely to yield different credit scores, even if your credit reports are. TransUnion is bringing up the rear among the three. Generally, the credit bureaus collect information from different sources and have their own scoring model. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. 1. 300-900. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Hello - I'm using CreditKarma to monitor my credit, for over a month now my credit scores have differed by nearly 100 points. 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 alerts Go to TransUnion’s site and submit a new dispute. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. 0 and 2. If you discover that an impostor is using your identity, don’t panic. 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). My CreditWise score as of 9/12 is. Why is my TransUnion score 100 points lower than my Equifax? You might expect all of your credit reports and scores to be the same, but they are usually not. 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 . These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. The credit history reflected on your credit reports and scores can directly affect your ability to get credit. If, for example, you pulled a copy of your Experian report and your lender is looking at your TransUnion report, the data may not. The VantageScore model wasn’t introduced until 2006. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. This is because individual consumer reporting agencies, credit scoring companies, lenders and creditors may use slightly different formulas to calculate your credit scores. Re: Equifax Score Not Updating. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. Credit card utilization is the ratio of credit card balances to available credit card limits. 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. They’ll be in red and in order of importance. 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. FICO. Key Takeaways. Credit bureaus such as Equifax and TransUnion actually produce many different scores. Both companies collect credit information on individual consumers, which they sell to lenders and. That applied to both individuals and family plans. The most common scores range from 300 points to 850 points. 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. The other two only report the name of your employer and do not add any weight to that fact. The other. A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. A credit score discrepancy is a difference in your credit score from one credit bureau to another. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. And a lender may report updates to different bureaus at different times. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Mostly just confused why the transunion would have gone down regardless of the model used. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. 5. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. 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. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. . The whole credit industry is weird. wrote: I'm in the same boat. This purchase is only good for a one-time view. Source: Based on the VantageScore, FICO score, Equifax, and Experian credit score range model. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. I have since received a letter from Amex mentioning specifically my TransUnion credit report, so I created an account on TU to see my full report as well as download Credit Karma to check my TU score (as its apparently. 8/5 (74 votes) . The whole credit industry is weird. 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. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. 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. 670-739 = Good. I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. No disputes, no reason to cause them to be removed. Both range from 300 to 900, which is the credit score range in Canada. . 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. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. 0 and 4. The other two only report the name of your employer and do not add any weight to that fact. One place to look is derogs. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. But each model makes very different scores. 0. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. 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. VISIT SITE. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. Yeah and I wish they'd explain exactly what they did wrong. I thought 900 was a hypothetical score, like someone bowling 300. Below are three VantageScore 3. . Also it is at least possible that this is simply a question of the different scoring algorithms computing a different score. Equifax and TransUnion scores can only be as accurate as the information they receive. A FICO score of 650 is considered fair—better than poor, but less than good. I understand that they are different companies with different algorithms so a different credit score is understandable. In a Nutshell. Unlike with FICO where a good credit score is 670, VantageScore requires between 720 and 780. Why is 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. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. But I have not had any alerts or changes since January 20 on Equifax at all. Re: Why did Equifax Credit Score Drop 9 Points For No Reason/TransUnion Stayed stable. 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. We would like to show you a description here but the site won’t allow us. Can someone tell me why the MyFICO TU score is 59 points. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. Some people want to achieve a score of 850, the highest credit score possible. 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. 5 reasons your FICO score may be lower than your credit score. Credit takes time to grow. Fair: 580 to 669. 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. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher. I thought it would help me get a good. 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. My Equifax FICO dropped 21 points because of this. 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. By law,. Why is Equifax always lower than TransUnion?. Your Experian, Equifax and TransUnion credit reports should be fairly similiar. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. The Equifax credit score model falls on a credit rating scale that starts at 280 and ends at 850. 1. The information is compiled into a. Just remember that none of your free credit reports include your credit score. 5 / 5 - Excellent #1 in Credit Reporting. Cost of the Report. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. I just applied for a new car loan, and - despite my published Equifax score of 780 - was surprised to be offered a rate lower than the rate reserved for "excellent" credit. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 280 - 850. 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. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. 0 adopted the same. ”. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. In my experiance, they seem to be more up to date on your payment history, but not your balance. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. Would these all be the same? Not necessarily. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. 95 per month. Credit Karma offers even more interactive tools and resources than Experian to help you improve your credit scores and meet financial goals. Valued Member. Equifax. Hi, I use Credit Karma. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. Experian CreditWorks Basic: View your Experian credit report for free every month. The FICO Score ranges from a low of 300 to a high of 850. The other two only report the name of your employer and do not add any weight to that fact. See your credit utilization rate details for each bureau. The point of this. Sponsored. Similarly to. Equifax Credit Score. 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. 0 scores from TransUnion and Equifax. 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. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted . This model scoring scale starts at 300 (the lowest) and caps at 850. 0. And a lender may report updates to different bureaus at different times. My Equifax is more than 100 points lower than my TU score. . Similar numbers. This could lead to a person having a relatively lower score on Experian compared to the two other bureaus. Everyone’s ability to interpret information differently just makes it nebulous and less than useful for the consumer. New credit: 10%. Score: 4. 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. At you can buy just a credit report and FICO score for $15. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. 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. No searches, no defaults no nothing. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9 months. Credit mix: 10%. 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 and Equifax are the two largest credit bureaus in the United States. Also, back in the FICO 04 days, the algorithms were customized for each CRA. wrote: I'm in the same boat. A creditor could be reporting your payments to just one or two of them, instead of all three. Experian should give you the negative reason codes that are holding or suppressing your scores if you click on your FICO8 score. The other two only report the name of your employer and do not add any weight to that fact. However, VantageScore 3. I have 596 Exp and 670 with the other 2. An Equifax credit score is an educational credit score. The VantageScore 3. Re: Why is my Equifax so low. 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. 0 credit score was lowered by 72 points. Experian 76%. 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 Karma isn’t a credit bureau, which means we don’t determine your credit scores. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. Here’s how the score ranges are broken down: 800-850 – Excellent. 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. Tackling those reasons will help improve your score along with practicing good credit behaviors. My FICO went up like with the equifax reported by credit karma. A credit score is a three-digit number, typically between 300 and 850, designed to. For example, your Experian credit score. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. Both of these credit bureaus use a dynamic scoring model, but the weight they put on each variable varies. And a lender may report updates to different bureaus at different times. On top of that, these credit reporting agencies use different scoring models to produce credit scores. Equifax is reporting nearly 100 points lower, actually updated today I see it dropped another 22 points because I. You also have auto, mortgage and bankcard scores. In fact, 90% of lenders check FICO Scores rather than any other types of credit scores, though VantageScore is rapidly gaining popularity. Equifax's different credit scoring model results in lower scores. Re: Why is my Experian score 40 points lower than Experian & Transunion? I understand that different FICO score models result in different ranges of scores. 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. There’s a difference in algorithms between TransUnion vs. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. One or more of your lenders aren't reporting to Transunion. FICO scores are general purpose credit scores developed. Would love to know the answer! Hello - 1303709Understanding credit score ranges. ). In other words, your credit utilization rate is how much of your available credit you’re using at any given time. 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. 0 based on my TransUnion credit. Credit Score: Equifax vs Transunion. VantageScore 3. Experian’s free credit score is the FICO Score 8, the score most lenders use. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. We would like to show you a description here but the site won’t allow us. An Equifax credit score is a traditional credit score that will range from 101 to 992. 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. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. Equifax vs. 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: 715Score: 4. It is really affecting me getting an auto loan. 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. Some lenders only report to Experian or Equifax. Financial Smarts Transunion vs Equifax TransUnion® Vs. Higher credit scores generally result in more favorable credit terms. The average VantageScore 3. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. 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. Experian is one of the three major credit bureaus, along with Equifax and TransUnion. I wouldn't worry about it. 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. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. This is no different when it comes to Equifax vs. company, sells its score to both Equifax and TransUnion. Credit Karma uses a different scoring system than the one mortgage lenders use. 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. 0 is relied on by lenders across a variety of industries. 0 scores. They use different formulas to calculate your credit score. 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. TransUnion is bringing up the rear among the three. There are two main scoring systems: FICO – it was created in the 1950s and is used by mortgage lenders. What a credit bureau is. 0 is an Equifax credit score model used by many lenders and institutions when making real-world lending decisions. Your Equifax credit score may be sometimes lower and sometimes higher than your TransUnion score for a variety of reasons, including: Each of Canada’s two major credit bureaus use different credit scoring models to establish your credit score and file. TransUnion: Credit Rating. 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. Credit score of 846 out of 999. Comparing TransUnion vs. FICO scores range from 300 to 850, while the industry-specified standards can range anywhere from 250 to 900. 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. Your credit card balance is higher than usual. This is free. You Might Have Scores From Different Dates. The other two only report the name of your employer and do not add any weight to that fact. Credit score range. Why is my Credit Karma score higher than my actual score? 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. Suzanne Kvilhaug. 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. Deriving from the name of its founder–the Fair Isaac Corporation – the FICO score is a general purpose credit scoring system that was created with the intent of eliminating inconsistencies between each lender’s own system. Good: 670 to 739. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. 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. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. 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. 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. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. Different scores use a different scoring model and are the reason why they vary. In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. Chase favors Experian, but may also buy Equifax or TransUnion reports. Good Morning, Apologizing in advance if this question has been asked previously. " 03-23-2012 12:19 AM. A good score with TransUnion and VantageScore® 3. 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. 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. If you plan on applying for credit, make sure to check your FICO Score since there’s. For more information please visit us at and book an appointment today. Balance changes, lower utilization, score increase, etc. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. Secured credit cards may be especially helpful. com. Debt balances make up about 30% of the typical credit score. Score: 4. Equifax vs. 95 a month. Some lenders only report to one credit bureau, while other lenders report to both. 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 is between 720 and 780. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. It's just a list of your current outstanding loans, and if you're in good standing with them. 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. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. The result is that there are multiple FICO Score versions available, in addition to the most widely used version, FICO Score 8. Equifax. They might also weigh your information differently depending on the type of credit account for which you've applied. Each company has its own method of collecting financial information about you, and the. These factors are likely to yield different credit scores, even if your credit reports are identical across the. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. Dispute directly with the company that reported the information to TransUnion. Equifax®: Which Score Matters More? Victoria Araj 6-Minute Read UPDATED: October 30, 2023 The look of your credit score can be. Regarding credit reports, Equifax includes 81 months of credit history, whereas TransUnion includes 84 months. On the home page, click on "View All Products. The information available online shows that Equifax uses an 81-month credit history. 5/5 ( 12 votes ) 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. Instead, we work with Equifax and TransUnion to. 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. 10% types of accounts, known as credit mix. FICO is used in about 90% of lending decisions. On the next page, click on "Equifax Credit Report & Score. . The three credit bureaus are Equifax, Experian, and TransUnion. You can find the contact information under the account details section of your credit report. TransUnion report is accurate and I am pleased with my score. It's also the least friendly to those just starting out building credit. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. So your FICO scores are your most relivant scores, followed by Vantage scores. That’s because most issuers report credit. Financial Topics Life Stages TransUnion vs Equifax: How They Differ By Jacqueline DeMarco · June 06, 2023 · 6 minute read We’re here to help! First and. 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. FICO Scores range from 300 to 850. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. TransUnion provides the VantageScore 3. 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). Final Verdict.