9B in revenue. can get 6 additional free credit reports per year through 2026 by visiting the Equifax website or by calling 866-349-5191. Blueprint is an. If the scores vary based on the same scoring model, then Credit Report information could be different at each of the 3 bureaus. No credit score is more accurate than another, but lenders may prefer one over another. 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. Checking your credit score is considered to be a “soft inquiry. Data provided to the credit bureau: Lenders aren’t legally obligated to report to all three credit bureaus. Ongoing credit monitoring; Full credit reports; Educational tools;. 1-Bureau credit score and. This score also ranges from 300 up to 850. FACTA was passed in 2003 as an amendment to the Fair Credit Reporting Act. While it's a product from one of the three main credit agencies in the U. You have a universal or overall credit score. The information you see on Credit Karma should match what Equifax and TransUnion show. Each score can be different depending on various factors, such as scoring models, information sources, and time periods. National Consumer Assistance Plan (NCAP)-related considerations. Call the credit bureau and follow the instructions. The accuracy of the scores depends on the accuracy of the information provided to them by. Your credit score is a three-digit number meant to reflect the risk you could pose to a lender when you borrow money. GET STARTED. Instead, it provides you with a TransUnion Vantage 3. The Equifax credit score is based on credit data from Equifax, while the FICO score is based on credit data from all three major credit reporting agencies. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that. And scores of 629 or below are bad credit. TransUnion will put more weight on your employment history. The credit bureaus manage records on your accounts, balances and the payments you make. Experian offers free access to credit scores and credit reports. Neither score is more or less accurate than the other; they’re only being calculated from slightly differing sources. Checking your credit reports can also help you detect any inaccurate or incomplete information. These companies are responsible for providing consumer credit reports to organizations, authorities and other. Keeping in mind the reasons above, double-check you TransUnion and Equifax credit reports to make sure there isn’t any incorrect information. There are many reasons why the numbers between Equifax and Transunion may differ so much. Get notified when there are important changes to your credit reports. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax Complete. Based in Atlanta, Georgia, and founded all way back in 1899, Equifax collects and reports information on more than 800 million people, and nearly 90 million businesses around the world. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. It’s important to keep in mind that credit scores can vary among the. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. FICO ® Score 4 is the version of the classic FICO ® Score offered by TransUnion. Both Transunion and Equifax say the score is based on date as of 9/22/16 but experian says based on data as of 9/2/2016. The three Nationwide Credit Reporting Agencies (NCRAs) – TransUnion (NYSE:TRU), Equifax® (NYSE:EFX), and Experian (LON:EXPN) – are reinforcing their commitment to the financial health of U. 6/5 ( 26 votes ) Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. Which is more accurate Experian or Equifax? 2 Experian has a slight edge over Equifax because it tends to track recent credit searches more thoroughly. If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. 5/5 ( 64 votes ) There are three different credit bureaus a landlord may use to run a credit check -- Equifax, Experian and TransUnion. FICO scores are generally calculated using five categories of information. The CFPB has taken action against TransUnion four times in the last seven years. 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. The most accurate credit scores are the latest versions of the FICO. If a borrower your income and your Credit Karma is the my credit score, TransUnion number. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. Here’s how the score ranges are broken down: 800-850 – Excellent. Third, you'll get the results of the dispute. The Fair and Accurate Credit Transactions Act (FACTA), which is an amendment to the Fair Credit Reporting Act (FCRA), gives you the right to access a credit report from Equifax, TransUnion and. Learn how credit bureaus collect and use your information to create credit reports and scores, and how they compare with each other. Advanced and Premier services the most accurate for credit score updates. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. For example, one bureau may have 6 hard inquiries on its credit report, another may have 2, and the last bureau may have 4. There are four main ways to get your credit score: Check your credit or loan statements. Review your credit reports. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. The FICO score ranges from 300 to 850, with higher scores being better. Discover your credit potential with powerful tools like CreditCompass TM. Learn how credit bureaus collect and use your information to create credit. Just look for "Equifax Credit Report" on your myEquifax dashboard. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. 0. You can get a free copy of your Equifax credit report to. 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” across the board. FICO is a risk score calculated based on your debt history; there are at least 40 different. The top three are (in alphabetical order) Equifax, Experian, and TransUnion. 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. TransUnion and Equifax may differ with the information they present, one may favor certain lenders more than the other, however, it is important to remember that the information provided by both TransUnion and Equifax is considered to be. 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. P. are not based on VantageScore credit scores," the decree said. Reporting. 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. GXSINGH Full Member. Which Credit Bureau Is Most Accurate? In the U. Image: Alert-1. Many credit card companies, banks and loan companies have started providing credit scores for their customers. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. Available for free with monthly updates on Paisabazaar. Equifax. And in 2013, the company lost an $18. There are many. 95/month for one adult. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). My equifax score increased to 759. Their behavior is governed by the FCRA. Equifax uses a credit score range of 280-850. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. 0. It's a very expensive product so it seems fair to expect it to be accurate. Annual 3-Bureau credit report and VantageScore credit scores. Their breakdown of credit factors is: Payment history (40%) Credit utilization (20%) Credit. They both calculate credit scores and reports, but have different models and features. Free Credit Reports. 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. Below are three VantageScore 3. Equifax, TransUnion, Experian: Aura Couple: 4. Equifax classifies a good credit score as 660 or higher, while TransUnion classifies a good credit score as 650 or higher. In both cases, higher. You may already know that there are multiple ways you can get a free credit report. The information available online shows that Equifax uses an 81-month credit history. Daily access to Equifax credit score. 164 (including taxes/handling charges). Here’s the reason: “The scores and credit report information on Credit Karma comes from TransUnion and Equifax, two of the three major credit bureaus. A “good” score may rest in the 661 – 720 range. Some lenders only report to one. Which Credit Report is More Accurate, TransUnion or Equifax? First and foremost, it’s crucial to note that credit ratings are calculated using a variety of scoring methods, all of which by their very nature are subjective. How to Contact Equifax . A score in the 700s and above is generally considered good, while a score below 600 is considered poor. P. Follow this checklist to know what to look for on your Equifax credit report. Jeff Richardson, vice president of marketing and communications with. com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports. Free weekly online credit reports are available from Equifax, Experian and TransUnion. This model was released in 2013 and offers greater consistency to fit today’s fast-paced society. Determining your score is more complicated than just weighing the different aspects of your credit. It also gives you a credit rating between poor and excellent. Some scores are for specific uses, such as FICO BankCard Score 8, or some models being mortgage. The three main credit reporting agencies in the U. Just look for "Equifax Credit Report" on your myEquifax dashboard. 1. 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” across the board. Up to $50,000 in identity theft insurance (exclusions apply for Quebec residents) Access to identity restoration specialists if fraud/theft occurs. The VantageScore and FICO models differ in several ways, but that doesn’t mean one is better or more accurate than the other. TransUnion also has a premium product, called TransUnion Credit Monitoring, that allows you to lock your credit reports with both TransUnion and Equifax — but it costs $29. It is a useful tool for monitoring credit before major. Experian’s free credit score is the FICO Score 8, the score most lenders use. There are three credit agencies: TransUnion, Equifax, and Experian. Have a copy of your TransUnion credit report handy before calling this number; the representative will need the file number. The Equifax Online Self-Service portal provides information on obtaining a credit report, disputing inaccuracies in your Equifax credit report, and managing fraud alerts and security freezes. , but TransUnion and Equifax are thought. Poor credit: 600. Capital One Credit Wise does NOT provide you with a FICO score. Hot Tip: You must request the free reports within 60 days from the date of the suspected wrongful action. When comparing Equifax, TransUnion, or Experian credit reports, it’s important to. Internet scanning to detect use of. One of the most evident differences between these two bureaus is that. , TransUnion and Equifax are widely considered to be just as accurate and important. in 2022 reports, financial protection bureau fired at equifax, experian, and transunion brutally failed to adequately respond to consumers with evers and that. This trio dominates the market for collecting information about consumers in the credit markets. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. Suzanne Kvilhaug. According to its website, nine of the 10 largest banks, 29 of the 100 largest credit unions and more than 2,200 financial institutions used VantageScore credit scores in one or more lines of business. 0, which is used. Credit Karma is perfectly accurate to check your account for. Sponsored. Some lenders don’t report a consumer’s activity to any. regulator on Tuesday ordered credit reporting agencies TransUnion <TRU. Get fast cash and improve your credit with LendingTree personal loans!The three major credit bureaus include Equifax, Experian and TransUnion. Industry-specific FICO® scores — including FICO® Auto Score 8 and FICO® Bankcard Score 8 — have a broader range of 250 to 900. The website was created in a joint venture between Experian, TransUnion and Equifax following the passage of the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit. Of those complaints about TransUnion, 24,800 were related to incorrect information on a credit report and 8,300 involved problems with the agency’s investigation into an ongoing issue. com. An $11 million portion of the settlement will compensate consumers upon approval by a federal court. Is TransUnion more accurate than Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. Therefore, there are other reasons why the numbers. Only Credit Report costs Rs. 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” across the board. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. Equifax 54%. Credit Karma’s mission, which is to match members with appropriate products based on the lenders’ desired customer profiles, could help you find the offers that will save you more money. TransUnion offers TransUnion Credit Monitoring for $24. Blog. The bottom line on whether Credit Karma is accurate. 0 credit score when you sign up for its credit monitoring service. 95, giving you continuous access to your Equifax credit score. By using the correct terminology and capitalization when discussing credit reports and scores, you can ensure. The "Most" accurate is a MyFico account, which will give you all the FICO scores used for various decisions (Fico 8 is really only used for credit card/non-home loan decisions). Equifax Credit Information Services, Inc. Equifax: 280–850. Equifax phone number: 1-888-548-7878. In reality, both scores are. Your credit score is a three-digit number meant to reflect the risk you could pose to a lender when you borrow money. Read the legal disclaimers and click on “Continue”. Experian: 300–850. Consumers also have a VantageScore, which is the combination of your credit score from Equifax, Experian, and TransUnion. That applied to both individuals and family plans. Credit Score Range. ”Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. 5% net profit margin. So it is not so much that. Review your credit reports. VantageScore was created in partnership among all three credit bureaus — Experian, Equifax, and TransUnion. S. TransUnion and Equifax calculate credit scores using different models. The following article takes a closer look at two leading credit bureaus by. Some financial advisors suggest staggering your requests over a 12-month period to help keep an eye on your reports and make sure they have accurate information. This means that if there. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. Spot identity theft early. 0 scoring model . Is CreditWise Accurate? CreditWise uses TransUnion’s VantageScore 3. You can get free Equifax credit reports at annualcreditreport. Equifax, Experian and TransUnion are the three main consumer credit bureaus. 6 million lawsuit stemming from uncorrected errors on an. Each model company has several models: More than 9 for FICO, 4 I believe for Vantage. UPDATED: October 30, 2023 The look of your credit score can be deceiving. 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. To get a complete view of your credit report, you need to check all three credit reports offered by the major credit bureaus. Definition and Examples of the Fair and Accurate Transactions Act. Consumers With Changes to Medical Collection Debt Reporting (Mar. Up to $50,000 in identity theft insurance (exclusions apply for Quebec residents) Access to identity restoration specialists if fraud/theft occurs. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. A good score with TransUnion and VantageScore® 3. more-accurate insight into your borrowing and payment patterns. The Transunion customer service representative I dealt with was helpful and curtious. 0 is between 720 and 780. One issue is that most lenders utilize the FICO model and Credit Karma uses the VantageScore Model which means that the scoring system is different from most lenders. These companies are Equifax, TransUnion, and Experian. 95 per month, as mentioned above. Key Takeaways. Free weekly online credit reports are available from Equifax, Experian and TransUnion. The nation’s three largest credit bureaus—Equifax, Experian, and TransUnion— said this week that they would make permanent consumers’ access to free, weekly credit reports via. Equifax. This is by far the most comprehensive database of consumer financial insights available in the market. ”. You always want to make sure the information in each file is fully accurate, regardless of scoring model used. Transunion Vs Equifax: Which Is Most Accurate 7 Best Banks Credit Cards That Use TransUnion To get Out Of Credit Card Debt 2021 No credit score from any one of the credit bureaus is more valuable or more accurate than another. If you have a credit history that’s been reported to the bureaus, you can have a credit report with each of the major bureaus. Like the other major credit bureaus, it gathers information on credit history and activity, among other things, to generate credit reports. You should regularly review things on your credit report, such as personal information, credit accounts, collections, bankruptcies, and credit inquiries. They argue that their policies targeted unmeritorious complaints. 300-900. Learn more about the factors that affect your FICO score and how to get it for free. Credit karma gives vantage scores, not Fico, which is why you don't need to pay much attention to the actual score. One of which is that they use different algorithms to calculate your credit score. 5 million to the CFPB. It settled an FTC lawsuit for $250,000 in 2003. They collect and store information about you that they use to generate your credit reports, which are used as the basis of your credit scores. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. Equifax Equifax scores range from 280 to 850. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. com . Alternatively, Equifax is better for obtaining a detailed credit history and for evaluating overall financial standing. The FICO score is the most accurate credit score when it comes to applying for loans and credit cards, according to this article. Takedown request. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Like FICO, VantageScore are also working to evolve their credit score process to paint a more accurate picture of an individual’s likelihood to make timely. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. Which score is more accurate? Neither your TransUnion or Equifax score is more or less accurate than the other. So I have been using Credit Karma for a while to periodically check in on my TransUnion and Equifax scores, but tonight I was curious about - 3824503. If you'd rather talk to a. Equifax, TransUnion, and Experian are the three primary credit reporting companies. Both TransUnion and Equifax use the latest Vantage 3. Is TransUnion more important than Equifax?. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. The company also markets its businesses credit reports, analytics, demographic data, credit fraud, identity theft prevention products, and software. Similarly to. First, a credit report dispute is when you notify a credit bureau like Equifax about something being wrong. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. Some people want to achieve a score of 850, the highest credit score possible. Speaking from a man who has just been through the whole mortgage paradox. Online reports are compatible with screen readers. Daily access to Equifax credit score. Those are TransUnion, Equifax and Experian. 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. By law, you're entitled to one free annual credit report. Equifax is generally considered the most accurate, because it uses what’s called a “true credit reporting model. Equifax confirmed the blunder on Tuesday, saying in a statement that the errors were caused by a computer coding issue that has since been corrected. TransUnion again admitted no wrongdoing, and said it has. So it is not so much that Credit Karma. For TransUnion, you have to use 3rd party apps. It also reveals your FICO Score 8—the score most lenders use—which can give you a better idea of what lenders see than the. 550. 95/mo after Go to Site More Details. Credit reports from annualcreditreport. At first, VantageScore credit scores featured a different numerical scale (501 to 990). Blueprint is an. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. 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. There isn’t one “more accurate” report. TransUnion provides the VantageScore 3. Scroll to Account Management on the right-hand side of the page. , but TransUnion and Equifax are thought to be just as accurate and important. FICO ® Scores are used by 90% of top lenders, so a FICO ® Score is a pretty accurate reflection of your creditworthiness as a lender might see it. So, that's at. Highlights: Regularly checking your credit reports is a good way to ensure information is complete and accurate. Over time, credit scoring models are updated to attempt to increase their accuracy. You can think of it as a snapshot of your risk level based on your credit history at a specific moment in time. TransUnion could focus more on educational resources for consumers looking to improve their credit scores. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. Barclays uses a FICO score — the score most lenders use. The VantageScore was developed by the big three credit bureaus (Experian, TransUnion, and Equifax). However. 95 per month. Believe me, Equifax and TransUnion are the last two you don't want to mess with unless you are loaded with cash. Image: Credit-Building-1. Learn More. It should really a be a right to have free credit score access all year around (not just once a year for all 3) Considering Transunion and Equifax are extremely wealthy, they should be providing their scores for free like Experian. TransUnion is bringing up the rear among the three. 70% of U. that means potentially, 40 million customers have errors on their credit reports. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. The following statement may be attributed to Stuart Pratt, President and CEO of the Consumer Data Industry Association, the trade association which represents Equifax, Experian, and TransUnion, in response to the credit reporting announcement made today by state attorneys general: “In March, the three nationwide credit reporting agencies. creating more personalized recommendations and savings. Remember, no one has just one credit score, because financial institutions use more than one scoring method. Summary: It's common for your credit scores to differ from one credit bureau to the next. 5 million fine from the Federal Trade Commission in 2000. . TransUnion provides the VantageScore 3. Make a postal request with TransUnion. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. 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. Just remember that none of your free credit reports include your credit score. Experian VS TransUnion VS Equifax question from a Credit Builder. company, sells its score to both Equifax and TransUnion. Checking your TransUnion credit report can help you understand what lenders may see if they check your credit. ”. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3. O. Going into 2022, the minimum credit score needed to get approved for a mortgage is 640, though it would be more accurate to say that anywhere between 620. You may have a different score with each of the three nationwide credit reporting agencies (TransUnion, Equifax and Experian). While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. 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. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. 0. — In my efforts to build credit. So Credit Wise is accurate; it’s just that it won’t necessarily give you an accurate idea of where your FICO score stands since it’s a different model. “The incoming administration is supportive of policies that would bring more accurate and reliable data into the credit reporting. You’ll have to purchase your credit score separately. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Which is more accurate TransUnion or Experian? TransUnion: The Bottom Line. Make a postal request with Equifax. O. A credit report is a summary of your credit history, including the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits. Internet scanning to detect use of. TransUnion. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. The FCRA gives individuals the right to see their own credit report. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. $19. This is similar to Equifax, and you will get detailed information on your credit report and score. This means that the Equifax credit score may differ slightly from the FICO score, as it is based on a more limited data set. Which Credit Bureau is Most Accurate? Aside from reporting errors, neither TransUnion nor Equifax demonstrates better accuracy. Depth of credit: 21%. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. In 2021, Equifax logged a record-setting $4. This company weighs your payment history and credit age more so than the other two credit bureaus. The company uses several different formulas to calculate credit scores—including VantageScore 3. If not, Credit Karma & Borrowell are your main go to then. S. Because TransUnion serves as a bureau for lenders and debt collectors, it tends to include more accurate and up-to-date information. P. “Founded by Experian, Equifax, and TransUnion in 2006, our mission is to use data analytics to drive innovation and inclusion—giving consumers more credit access, and helping lenders make. Equifax, 1-888-766-0008. That being said, both Equifax and TransUnion offer incredibly accurate reporting. You can also file a free dispute with the three nationwide credit bureaus. : Equifax, TransUnion and Experian. S. com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. Credit Karma works with Equifax and TransUnion, two of the three major consumer credit bureaus, to give you access to your free credit scores and free credit reports. According to the report, which was released in early 2022, most of the approximately 700,000 complaints related to inaccurate. Equifax provides you with an overall credit score, expressed as a number between 0-1000. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. The most accurate credit report is the one that includes all of your loans and credit accounts and is error-free. TransUnion had annual revenue in excess of $3. The monthly fee for this service is $9. There are many reasons why the numbers between Equifax and Transunion may differ so much. Generally, both bureaus use the 300 – 900 score range for evaluation. If you don't want to monitor your credit score yourself. 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. Equifax operates an 81-month credit history while TransUnion checks your data to as far back as over 24 months. If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. The TransUnion TransRisk score ranges from a low of 300 to a high of 850, where 850 is considered to be excellent. Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. That applied to both individuals and family plans. S. 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 score. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. The monthly fee for this service is $9.