It could also be that all three credit bureaus used different scoring models and each scoring model has its different scoring ranges that's why you may see different scores from every bureaus.
We all know they're the credit bureaus. BUT, who are Equifax, TransUnion, and Experian? Who are they belong to? Who are they work for? Why these companies have these responsibilities? Who owns them?
Thanks for the video content! Excuse me for butting in, I would love your initial thoughts. Have you considered - Millawdon Getaway Aging Trick (erm, check it on google should be there)? It is a great one off guide for boosting your credit minus the normal expense. Ive heard some decent things about it and my m8 finally got great success with it.
Appreciate Video clip! Sorry for the intrusion, I would appreciate your initial thoughts. Have you researched - Tarbbatigan Destroy Offenders Tip (google it)? It is a great one of a kind guide for learning how to clean up your credit minus the hard work. Ive heard some pretty good things about it and my buddy at last got great success with it.
Kudos for the video content! Sorry for butting in, I am interested in your opinion. Have you thought about - Tarbbatigan Destroy Offenders Tip (erm, check it on google should be there)? It is a smashing exclusive product for learning how to clean up your credit without the normal expense. Ive heard some great things about it and my m8 finally got excellent success with it.
Cheers for the Video clip! Sorry for the intrusion, I am interested in your opinion. Have you considered - Tarbbatigan Destroy Offenders Tip (probably on Google)? It is an awesome exclusive product for learning how to clean up your credit minus the hard work. Ive heard some great things about it and my best friend Jordan at very last got astronomical results with it.
I work for TransUnion. Lot of people call to ask why they're getting different score with experian and Equifax. Well, first of all we are all different companies, have different scoring models, the score you get is just a computer-generated score based on all the info showing up on your report, not all the info shows up on your report with the other 2 bureaus show up on us. It may vary from creditor to creditor, or not all creditors report info to all credit bureaus.
Plz help shed some light on this4me: hired a company to fix my credit 5months ago n its goin very well but had my FICO pulled last week and transunion reported no score Other 2 agencies did Have had 2cards 3+ months now Balance paid in full on time monthly Whats the deal with no transunion score on my Fico pull?? Thank u
@@averageguy7641 TU, Experian and EQ are all different companies, indeed. If you're not getting scored in TU, probably your creditors not reporting to TU to get sufficient credit history which is important for you to get scored in TU. It's just that not all creditors report to all 3 credit agencies, sir. In TU, you may get scored potentially by changes in balances, payments made, purchases or applications for new credit. Have u already tried to get in touch with all ur creditors to check if they report to all 3 credit bureaus?
@@averageguy7641 Or have u already checked the most updated copy of ur report to TU to see if the credits u have established show up on ur report? Check first if u have enough credit history on ur file.
I wish you could tell me the parameters of the three credit bureaus. I’ve looked online and it says all three are 300-850, but I could swear I saw that the top score of on of them was 900.
I have a account that is positive and only reporting to experian. I've written tu & ef asking them to add said account and they haven't. Is there anything more i can do?
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
Kaitlyn Cleary There is most likely an item that is reporting on the one bureau that is not present on the other two or there is a slight variation in how Experian is reporting. We would be happy to take a look at your credit at no cost and tell you what the culprit is.
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
how do you even improve your credit score if they aren't the same ? my credit has always been good but on Experian my score is down -62 points compared to my 709 through Transunion ?? like how do i even improve that
As long as they’re here, we’re be there to help! Keep in mind that without Credit you’d have to buy everything with cash which would prevent a lot of people from being home owners.
@@MyCreditGuyCreditRestoration did you mean with out credit? But these socres are rediculous. My Experian is 995 yet my TransUnion us non existent??!! Not to throw excuses but no one is taught this growing up. This year was the year to change things and today it's thrown in my face with trans fkn union. We were getting a car and a new business loan. And that's not happening.
@@jonathanclarkin8844 Yes, thanks for catching that, corrected :-) you are absolutely correct that credit is Much more confusing and secretive then it should be! We try to shed some light on it but it’s a subject that should get much more attention in school with as important as it ends up being in our adult lives.
Typically, the bankruptcy court will want you to include all debts. Even if you don’t include the card because it is a zero dollar balance, the card company will most likely proactively close it on you once they find out that you have filed. If this happens, once the bankruptcy is discharged, you will want to start with Credit rebuilding cards. If you need help finding any, please let us know as we have several options that I’ve worked well for our clients in the past.
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
Thank you! We're glad it was useful to you. Please let us know if there are any other credit subjects that you'd like us to cover. We're always looking for great topics.
Can you please inform me why when I log into my Fico or Experian account, the scores are way off from what the actual credit agency states when I log directly into Transition and Equifax. What score should I be looking at? The score within the actual agency, or with Experian and or Fico In which all three scores are shown? I’m looking to get a Auto loan, and I’m aware that my credit union pulls from TransUnion. But which score do they use..., the one displayed with Fico, or the one from TransUnion??
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Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
It doesn't matter, they're all full of crap! And while they all can have different methods and models, there should be one standard range indicating good, fair, or poor. Currently, you need at least a 720 for a TransUnion score to be considered good while good with Experian and Equifax is in the upper 600s. You can get a mortgage with a 620 but it's not considered good with TransUnion until it hits 100 more points? That's ridiculous and unfortunately, some lenders only use TransUnion for example. This keeps the range artificially high so they can charge higher interest to a greater number of people.
Just always pay tour debt on time and try to maintain at least 50 percent utlliization of the credit card or all of your revolving accounts, don’t exceed on your high credit and also hard inquiry does not have a big impact on your score. However if its a multiple hard inquiry in one month or one week it might affect your score as well. And to protect your file for a unauthorised inquiry put a security freeze on your credit file. All of the three credit bureau have there own criteria on how to calculate your score and all of your lender or bank have there own.
Creditors are not required to report to the credit bureaus, so you have to make sure when obtaining that you are working with an institution that reports to the bureaus. If you believe that your items just aren't showing up on your report, we could look into that for you! Thanks :)
My Credit Guy Credit Restoration I called and they don’t seen any changes but suggested that I contact an credit advisor. I don’t know what’s going on.
@@albertoomar819 Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net His fast and reliable .
Well it looks like I'm late coming to the party, but I'm glad I read through some of the other comments before I posted my question. Like some of the others, it's been bugging me lately why my Experian score is a full 50 points below the other 2 agencies. Now I understand and appreciate everything you said about how scores can differ by 100 points, but I still feel such a vast discrepancy should be investigated. 10 or 20 points I can understand, but something just isn't right here. Just one persons opinion. You did clear up a lot though, and it is much appreciated.
I would be very happy to personally review your credit report, and find out where the discrepancy is, at no cost! Please email me at ParkerTeam@mycreditguy.com.
Pay all your stuff off and don't live by a credit score. Cash is king and you can negotiate everything. If your financing you can't afford whatever bs you're trying to buy anyways.
It’s possible that there is an account showing up on one bureau that is not on the other. We would be happy to take a look for you at no cost! Parkerteam@mycreditguy.com
It could also be that all three credit bureaus used different scoring models and each scoring model has its different scoring ranges that's why you may see different scores from every bureaus.
We all know they're the credit bureaus. BUT, who are Equifax, TransUnion, and Experian? Who are they belong to? Who are they work for? Why these companies have these responsibilities? Who owns them?
its still no good reason, why people make things so complicated?
Thanks for the video content! Excuse me for butting in, I would love your initial thoughts. Have you considered - Millawdon Getaway Aging Trick (erm, check it on google should be there)? It is a great one off guide for boosting your credit minus the normal expense. Ive heard some decent things about it and my m8 finally got great success with it.
Appreciate Video clip! Sorry for the intrusion, I would appreciate your initial thoughts. Have you researched - Tarbbatigan Destroy Offenders Tip (google it)? It is a great one of a kind guide for learning how to clean up your credit minus the hard work. Ive heard some pretty good things about it and my buddy at last got great success with it.
Kudos for the video content! Sorry for butting in, I am interested in your opinion. Have you thought about - Tarbbatigan Destroy Offenders Tip (erm, check it on google should be there)? It is a smashing exclusive product for learning how to clean up your credit without the normal expense. Ive heard some great things about it and my m8 finally got excellent success with it.
Cheers for the Video clip! Sorry for the intrusion, I am interested in your opinion. Have you considered - Tarbbatigan Destroy Offenders Tip (probably on Google)? It is an awesome exclusive product for learning how to clean up your credit minus the hard work. Ive heard some great things about it and my best friend Jordan at very last got astronomical results with it.
I work for TransUnion. Lot of people call to ask why they're getting different score with experian and Equifax. Well, first of all we are all different companies, have different scoring models, the score you get is just a computer-generated score based on all the info showing up on your report, not all the info shows up on your report with the other 2 bureaus show up on us. It may vary from creditor to creditor, or not all creditors report info to all credit bureaus.
Plz help shed some light on this4me: hired a company to fix my credit 5months ago n its goin very well but had my FICO pulled last week and transunion reported no score
Other 2 agencies did
Have had 2cards 3+ months now
Balance paid in full on time monthly
Whats the deal with no transunion score on my Fico pull??
Thank u
@@averageguy7641 TransUnion uses Vantage Score, not a FICO score. The scoring model of FICO and VANTAGE is totally different.
Yeah i know
So ill never have a FICO score with T.U.?
Just pulled FICO again
No TU or EQ
Im totally confused n pissed off
@@averageguy7641 TU, Experian and EQ are all different companies, indeed. If you're not getting scored in TU, probably your creditors not reporting to TU to get sufficient credit history which is important for you to get scored in TU. It's just that not all creditors report to all 3 credit agencies, sir. In TU, you may get scored potentially by changes in balances, payments made, purchases or applications for new credit. Have u already tried to get in touch with all ur creditors to check if they report to all 3 credit bureaus?
@@averageguy7641 Or have u already checked the most updated copy of ur report to TU to see if the credits u have established show up on ur report? Check first if u have enough credit history on ur file.
Ok great video. I used to think they all worked together.
I wish you could tell me the parameters of the three credit bureaus. I’ve looked online and it says all three are 300-850, but I could swear I saw that the top score of on of them was 900.
I have a account that is positive and only reporting to experian. I've written tu & ef asking them to add said account and they haven't. Is there anything more i can do?
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
When someone asks me my score which one should i tell them ?
Dee Penn pay to Get your FICO score (the average of all 3 Bureaus.
I have 709 at transunion 702 @ Experian and 701 Equifax
@@brendalovesmariah not bad
I have looked at all 3 groups, and all 3 have the exact same data, there are no differences. But...experian is 90 points less in every category....
Check the inquiries I think every lender uses and reports every single thing to Experian in my opinion
My Equifax and TransUnion are high in the 730s but my Experian is low at 668. Why is it such a big difference?
Kaitlyn Cleary There is most likely an item that is reporting on the one bureau that is not present on the other two or there is a slight variation in how Experian is reporting. We would be happy to take a look at your credit at no cost and tell you what the culprit is.
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
how do you even improve your credit score if they aren't the same ? my credit has always been good but on Experian my score is down -62 points compared to my 709 through Transunion ?? like how do i even improve that
I think credit scores are an absolute joke and should be abolished.
As long as they’re here, we’re be there to help! Keep in mind that without Credit you’d have to buy everything with cash which would prevent a lot of people from being home owners.
@@MyCreditGuyCreditRestoration did you mean with out credit? But these socres are rediculous. My Experian is 995 yet my TransUnion us non existent??!! Not to throw excuses but no one is taught this growing up.
This year was the year to change things and today it's thrown in my face with trans fkn union. We were getting a car and a new business loan. And that's not happening.
@@jonathanclarkin8844 Yes, thanks for catching that, corrected :-) you are absolutely correct that credit is Much more confusing and secretive then it should be! We try to shed some light on it but it’s a subject that should get much more attention in school with as important as it ends up being in our adult lives.
can you keep a perfectly-paid and -0- balance credit card all the way through a bankruptcy ?
Typically, the bankruptcy court will want you to include all debts. Even if you don’t include the card because it is a zero dollar balance, the card company will most likely proactively close it on you once they find out that you have filed. If this happens, once the bankruptcy is discharged, you will want to start with Credit rebuilding cards. If you need help finding any, please let us know as we have several options that I’ve worked well for our clients in the past.
MY CREDIT GUY MY MAN😎😎😎😎
Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
thank you very much that was very helpful
Thank you! We're glad it was useful to you. Please let us know if there are any other credit subjects that you'd like us to cover. We're always looking for great topics.
Can you please inform me why when I log into my Fico or Experian account, the scores are way off from what the actual credit agency states when I log directly into Transition and Equifax. What score should I be looking at? The score within the actual agency, or with Experian and or Fico In which all three scores are shown? I’m looking to get a Auto loan, and I’m aware that my credit union pulls from TransUnion. But which score do they use..., the one displayed with Fico, or the one from TransUnion??
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Oh yea I’ve worked with this set of consultants over some years now and they helped in settling disputes for consumers experean,equifax,and Transunion in credit report.Reach out to them on Instagram as briggs_consultancy or call/text 281-783-4167
so how we fix ?
The Scores are different because of the formula they use are totally different between each other
It doesn't matter, they're all full of crap! And while they all can have different methods and models, there should be one standard range indicating good, fair, or poor. Currently, you need at least a 720 for a TransUnion score to be considered good while good with Experian and Equifax is in the upper 600s. You can get a mortgage with a 620 but it's not considered good with TransUnion until it hits 100 more points? That's ridiculous and unfortunately, some lenders only use TransUnion for example. This keeps the range artificially high so they can charge higher interest to a greater number of people.
This why the system should change. Use one system for all busines and lenders.
Equifax 576 transunion 676 wtf??
WHAT ARE THE BEST WAYS U CAN BUILD CREDIT?
Just always pay tour debt on time and try to maintain at least 50 percent utlliization of the credit card or all of your revolving accounts, don’t exceed on your high credit and also hard inquiry does not have a big impact on your score. However if its a multiple hard inquiry in one month or one week it might affect your score as well. And to protect your file for a unauthorised inquiry put a security freeze on your credit file. All of the three credit bureau have there own criteria on how to calculate your score and all of your lender or bank have there own.
Zyphr Casis 50 percent? Why maintain that much much?
E ery step look there is a wire!!
my creditors dont report to experian . how can i go about solving this matter ? thanks
Thanks for the question. Here is another video that should answer your question!
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My Credit Guy Credit Restoration made
Creditors are not required to report to the credit bureaus, so you have to make sure when obtaining that you are working with an institution that reports to the bureaus. If you believe that your items just aren't showing up on your report, we could look into that for you! Thanks :)
Experian is the worst!!! My experian score dropped 17 points
When both of my Transunion and Equifax went up in scores for this month. WTF??? 🤷🏻♂️
MrDg2400 Something must’ve hit the Experian report. We would be happy to take a look! Give us a call at 866-726-7339.
My Credit Guy Credit Restoration I called and they don’t seen any changes but suggested that I contact an credit advisor. I don’t know what’s going on.
MrDg2400 e-mail me directly and I’ll get you squared away. Sam@mycreditguy.com
Same here I think it’s because I didn’t use my credit card for a month. Could this be the same reason as to why your score dropped?
I just disputed a collection and old addresses from Experian. They got deleted. Should I call Equifax and Trans?
Alberto Omar We would suggest sending everything in writing but yes I would definitely recommend contacting the other credit bureaus.
My Credit Guy Credit Restoration thank you for your reply
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Well it looks like I'm late coming to the party, but I'm glad I read through some of the other comments before I posted my question. Like some of the others, it's been bugging me lately why my Experian score is a full 50 points below the other 2 agencies. Now I understand and appreciate everything you said about how scores can differ by 100 points, but I still feel such a vast discrepancy should be investigated. 10 or 20 points I can understand, but something just isn't right here. Just one persons opinion. You did clear up a lot though, and it is much appreciated.
I would be very happy to personally review your credit report, and find out where the discrepancy is, at no cost! Please email me at ParkerTeam@mycreditguy.com.
Pay all your stuff off and don't live by a credit score. Cash is king and you can negotiate everything. If your financing you can't afford whatever bs you're trying to buy anyways.
What about a apartment ? 😂
So i need to find a CC, to report to the lowest one 😂
Transunion has me at 751 Experion has me at 630? Come on now.
It’s possible that there is an account showing up on one bureau that is not on the other. We would be happy to take a look for you at no cost! Parkerteam@mycreditguy.com
Trans Union has me on 744, Experion me at 598 ?
TRANSUNION IS HIGHER SO BANKS CAN CHARGE YOU HIGHER INTEREST IT'S JUST PURE GREED!!!!!
That's Bullshit