I have a credit score of 850 with experian but 352 with equifax, why is the difference so vast.?

Question

what can be the difference, i have had some problems in the past but i haven't missed a payment for a few years now, what can i do to sort this out??

Answer 1

false post...stop trying to waste other people's time

Answer 2

Contact Equifax. They may have some innaccurate information about you. There shouldn't be more than a few points difference between the different reporting agencies. On the other hand 850 is VERY high, maybe Experian is the one with errors?

Funny..you seem to repeatedly ask the same or similar question. What's up with that?

Answer 3

It's most likely a combination of several things.

First of all Experian uses the Vantage score system not FICO Vantage scores from 501 to 990 and FICO from 300 to 850 so every ones score is going to be higher from Experian.

Second not all lenders report to all credit bureaus so it's very possible that one bureau has information that the other doe's not.

But even taking these things into consideration that is the largest spread in scores I have ever heard of, I would contact all 3 credit bureaus and get copies of your reports and see what's going on and don't be cheap pay the extra for the scores.

Good luck

Answer 4

not all companies report to both agencies.  i work for a bank that reports to Experian but not Equifax.  So any good credit you're building up may not be getting reported to Equifax and therefore your score is different.  I would get your file from both companies to check the information they hold, its only around £2 and can be ordered online.  

Answer 5

Not all creditors report to all 3 bureaus. You can email them a request to put a statement on your equifax report saying something such as "The following information is incorrect....blah blah blah...blahze blahze....I have a good record with the other 2 bureaus, you may check those as well." I can almost guarantee that equifax will remove whatever might be making that report look bad.