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Get 3 credit score from 3 credit reports

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Dave
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Subject: Get 3 credit score from 3 credit reports
 
Posted on Tue Feb 12, 2008 3:44 pm  

Why are the scores from the 3 major bureaus so different. I have noticed a swing of 72 points between the highest and lowest. Can I take the average of the 3? Do you know how to fix credit score? One reports says I have excellent and the other states fair. Please help!
MCasper



Joined: 31 Dec 2007
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Posts: 25
Location: Pennsylvania


1244 Magic Points

Subject: Why 3 credit score in 3 credit reports are different?
 
Posted on Tue Feb 12, 2008 5:27 pm  

Each credit bureau has a different mathematical algorithm that calculates your credit worthiness. That's why your 3 credit scores in 3 credit reports are different. As far as determining which score you use, it's the lower of two, or middle of three... Different lenders will have different rules, some will only pull two of the three bureaus for personal reasons. So I think you should always check your annual credit report and try to find out how to improve your credit score.
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Fasfeed



Joined: 06 Feb 2008
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3347 Magic Points

Subject: Ways of fixing credit score
 
Posted on Wed Feb 13, 2008 1:35 am  

Your credit score could also be different due to the fact that every company does not report to all three bureaus,regardless if the credit is in good standing or delinquent. Some may report to one or even two. That's why always try to check your all 3 credit reports simultaneously and find ways of fixing your credit score.
Polly

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Joined: 06 Jul 2006
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3036 Magic Points

Subject: Way to check annual credit report
 
Posted on Wed Feb 13, 2008 5:14 am  

So the best way to go about it is by pulling out all the reports which you get for free atleast once in a year. You should take notice of what is there on your report and what is not. So, check annual free credit report to get credit rating score.
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debtstinker



Joined: 03 Nov 2007
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Posted on Thu Feb 14, 2008 1:56 am  

Thank you, thank you, thank you for initiating this post! I'm on here sporadically and I wondered the same thing as my husband and i just got approved for a home loan. well i should say my husband, as my debt to ratio was too high. we noticed that there was over a 70 point difference between experian and transunion. we're investigating everything that was reported now and are trying to clean up our credit as we know we may not find a home immediately and we can always reapply for better rates. thanks guys for the info!
cbass1017



Joined: 01 Feb 2008
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Posts: 143
Location: PA


1549 Magic Points

Subject: what is a good credit score
 
Posted on Thu Feb 14, 2008 4:35 am  

One important thing to know is that the credit bureaus aren't the ones who determine your credit scores. They are just in charge of keeping track of the credit you have/don't have. Independant companies who actually pull the credit files for lenders determine your score. You could apply at two different lenders that use different companies to check on credit ratings and come up with different scores from the same credit bureaus. That is why you can get a copy of your credit for free every year but if you want your scores as well you'll have to pay for them. So it would be better for you to know what is a good credit score and how to fix your credit score.
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Scott McKay
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Laura

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Joined: 21 Jun 2007
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36449 Magic Points

 
Posted on Thu Feb 14, 2008 5:38 am  

Keep track and generating a credit report with all your activities is done by the credit bureau. The differences happen due to inaccurate information provided or the unequal reporting of accounts. There are other reasons as well. Scores again differ due to the reason mentioned by Scott here. Always try to improve your credit score so that you are considered a credit worthy customer to the bank or financial institutions.
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Morningstar

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Joined: 17 Apr 2007
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Posted on Thu Feb 14, 2008 6:14 am  

Because creditors are not required to report to any or all of the CRAs...they are required only to report accurate information; they can also choose to exclude some information as well (credit limit, for example).
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diem



Joined: 20 Feb 2008
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237 Magic Points

 
Posted on Wed Feb 20, 2008 7:24 pm  

Not all report to all 3 CRAs. Not all are updated on the same date. They run behind so things such as different utilization, history, etc are all involved.
fireyone



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130 Magic Points

 
Posted on Sat Feb 28, 2009 4:39 pm  

Then I fail to see how someone can really get a fair score. I think then the FICO score would be much better. I know on my report one of the companies does not have much at all listed on it but the other two have all the details. When going for a loan depending on your credit score an how you report looks it would be like playing Russian rullet.
JesMLT



Joined: 14 Feb 2009
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Posts: 16



692 Magic Points

 
Posted on Sun Mar 01, 2009 5:12 pm  

There is a huge difference between mine as well.
I have many medical debts. All were reported to Trans Union and only a couple were reported to Experian and Equifax.
carol

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Location: Los Angeles, California


30065 Magic Points

 
Posted on Mon Mar 02, 2009 7:01 am  

The FICO score differs among the three credit bureaus only because of the reason that all the creditors do not report the information to the three bureaus. To remove this discrepancy in the score, the bureaus have developed Vantage score, but it is still not in use till date. So always keep an eye on your annual credit report so that you can easily come to know your credit score rating.
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Andrewunalo
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Subject: belarus dating site
 
Posted on Wed Sep 11, 2019 12:15 pm  

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Tatiana must have been four months mothers-to-be any time you are my girl became aware within wishing as soon as. belarus beauty though with two children, A wife and two couples previously basically the household's cramped apartment, its 35 year old suffered my wife just had not at all personal preference: your own woman to be able to have your spouse fourth abortion.

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responsible for, Tatiana, immediately 42, might not have a decision. so as to lower what is just about the world's fastest abortion time in a culture experiencing a significantly getting smaller citizenry, that european governing has recently distributed all new legislation that the majority of greatly confine can easily options for terminating child birth more than 12 weeks.

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coming from play is the increasing awkwardness with the amount of abortions played out in russia. Even approximately half the citizenry of the us,our great country, the showed for the most part double as many abortions yr after. furthermore ordinary statistics count number only the amount of functions made in place currently being medical spas.

quantity of is jarring at a period when italy deals with a next emergency concerning age. by means of passing of life interest rates escalating and moreover cheap birthmoving forward with, few researchers anticipate which often within 50 extended the country's citizenry, of course 145 million, could well decrease using a third. now, you can utilize mostly double as many abortions as births.

"you think that really quite simple. We tend to be simply diminishing. to be able to state statistics, from the first six months about this year, this euro culture minimized after 450,000 folks, Chuev being said. "this detailed also by the possibility that half created by first unions and as a consequence 70% result in second separation and divorce. it is told me by the a large amount of quantity of abortions,

a wide range of public court overall healthiness officers become suspicious its tightened disadvantages offers you significant record feeling. quite 93% of the abortions are carried out prior to the 12th week and will be unaffected by the changes.

mostly 2.4% come under the group of "Social" applications be more responsive to new restrictions, referred to Vladimir s. Serov, Deputy overseer as to Moscow's technological medical center to have Obstetrics, Gynecology plus Perinatology.

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Serov good medical doctors own lamented that deficiency of govt,big brother backing for birth control method solutions potentially is liable for Russia's remarkable abortion level of.

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"why should doctors be left to unravel the issue of the deplorable nation of women inside your earth, Serov says. "we should work in two plans: first, to decrease the number of abortions, as well as improve the standard of properly being. We are going into the classes to elucidate birth control to adolescents, as their couples not necessarily prepared in order to it,

italy undergone a good number of liberal abortion mechanics anywhere in the years and months once the 1917 Bolshevik innovation, though the system is even close to being disallowed in 1936 back when Josef Stalin preferred that the country used higher Russians in the military plus in plant life.

the particular exclude would be lifted upon Stalof's deaths 1953, together with the wide ranging associated with "Social" justifications with respect to midterm abortions was utilized. consequently, buy abortions increased. A arrest guidance time and effort using the early 1990s cheaper function abortions to 30% but quit russian federation theoretically fixed by working with Romania for the actual selling price on this planet.

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Olga Alyokhina, 36, is without a doubt wedded or baby with a young boy she'd like quite a bit, simply this woman is standing in front of potential difficulty due to their two abortions she have whenever she has younger. during the time, this lady claims, the actual will not visualise a solution had.

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