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Yaneisi
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Subject: Why such a difference in my score?. Truecredit vs Creditchec
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Sun Aug 23, 2009 7:22 pm
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I have had a membership with Truecredit.com for a few months now and have been tracking my credit score. I decided to try a different company: creditchecktotal.com. I was extremely surprised to see the huge difference on my credit score, creditchecktotal's and Truecredit's scores are totally different. Does anyone knows which one gives the accurate one, if any of them does?
I am concern, because this is showing me that credit scores given by this credit report companies might not be the real deal and I don't want to be wasting my money. Here are the numbers:
Scores with True Credit:
Experian:628
Equifax: 632
Transunion: 605
Scores with Creditcheck Total
Experian: 702
Equifax: 574
Transunion: 712 |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Mon Aug 24, 2009 6:28 am
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Check your reports here annualcreditreport.com. It is free. Your CBs are supposed to give you one free report each year by law. I think there might be some wrong information reflecting on your report. If so, then make arrangements to get them removed.
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Carol |
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Yaneisi
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Tue Aug 25, 2009 2:35 am
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Hi Carol,
Actually, the information on the credit reports given by these two companies is the same, the only thing that changes is the credit scores. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Tue Aug 25, 2009 10:38 am
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Hi Yaneisi
Credit reporting agencies have their own ways of calculations and hence scores differ. If there is no false debt reported then I guess you have nothing to worry about and also not much to do about it except for paying up the unpaid debts to improve your score.
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Carol |
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