3 Credit Scores

One of these things is not like the others

You have three different credit reports from TransUnion, Equifax and Experian and three unique credit scores. Your credit scores can vary significantly based on the data in your credit reports. In fact, the average person’s credit score varies as much as 40 points between the three credit reporting agencies. When you apply for a loan or a car, this point dissimilarity can lead to higher interest rates or even denial.

Check your 3-in-1 Credit Report, with credit data from TransUnion, Equifax and Experian, to see if you can spot any discrepancies in your information. Look out for:

• Late payments

• Incorrect balances

• Expired records

• Hard inquiries

• Crossed records

• Unauthorized accounts


When you find inaccurate information on one of your reports, try to work with the creditor responsible for the account first. If you can’t make progress this way, work with the credit reporting agencies to remove or update the information on your credit report.