A person’s Experian credit score may be lower than their TransUnion or Equifax scores for several reasons. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . The reason why TransUnion score is higher than Experian score is because they use different data models to assess creditworthiness. If you have any credit accounts, such as credit cards or loans, you have a credit report. 1/5 (66 votes) . Experian offers free access to credit scores and credit reports. company, sells its score to both Equifax and TransUnion. An "official" credit report is the one that a lender pulls direct from equifax or transunion. Length of credit history: 15%. Why is my Experian score lower than credit karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s;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. 0, which is used far less often. The most likely explanation is that your three reports are not exactly the same, and that in particular there is something on the EX report that makes its score worse. On top of that, these credit reporting agencies use different scoring models to produce credit scores. Partly because FICO makes many scoring models, and also because the data that goes into the model could come from three different places. Here are some reasons a score can drop: Using more of your available credit. FICO 5 relies solely on data from the credit reporting agency Equifax, while FICO 8 uses data from all three major credit reporting agencies: Equifax, Experian, and TransUnion. The lower the number, the lower the individual’s credit rating. On the next page, click on "Equifax Credit Report & Score. Maybe some small difference, like if you get a hard pull, it may only be on one but not the other. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. FICO credit scores have the following ranges: Below 580 = Poor. Why is my Experian score 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 TransUnion. Then you at least know the EQ and TU scores are FICO's. So your FICO scores are your most relivant scores, followed by Vantage scores. But Canadian consumers cannot access their. Score: 4. The lower Equifax number is a common concern for many people. My Transunion scores have always been the highest of the three. troyb. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. Score: 4. 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. . New credit: 10%. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. Why is Equifax always lower than TransUnion?. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. com. Equifax 834, Transunion 900. Step 2. The VantageScore 3. TransUnion TransUnion ranges from a low of 300 to a high of 850. Fair: 580 to 669. Also, back in the FICO 04 days, the algorithms were customized for each CRA. Experian says it would be “unusual” if your credit scores align. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. Then I came directly here to myFICO and ran my FICO score. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. The basic FICO credit score range is 300 to 850. Because there are varied scoring models, you'll likely have different scores from different providers. Credit score range. Along with educational articles, it offers several loan and mortgage calculators. What qualifies as a good score can vary from one creditor to. The point of this. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. A creditor could be reporting your payments to just one or two of them, instead of all three. One of the main reasons why your Equifax score may be significantly lower than your TransUnion score is because both credit bureaus use different credit scoring models to calculate your credit score. Why is my Equifax score lower than Experian? This is due to a. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Identity Guard. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. But rather than comparing Equifax vs. A 150-Point Difference in ScoresSimilarly, if you pay off a credit card debt and close the account entirely, your scores could drop. My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. For more information please visit us at and book an appointment today. Variations in the data reported by creditors and lenders, as well as. Here are five main factors that affect your credit scores: Payment history, or whether you pay your credit accounts on time, makes up about 35% of the typical credit score. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. Only Credit Report costs Rs. Financial experts typically recommend that your credit usage is below 30 percent of your credit availability. Score: 4. 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. VantageScores below 600 are considered “subprime. 2. We all collect similar information, and. I just applied for a new car loan, and - despite my published Equifax score of 780 - was surprised to be offered a rate lower than the rate reserved for "excellent" credit. Score: 4. Even if they have the same accounts and balances they may classify them differently. 0 and 4. 0 (ERS 2. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. The information is compiled into a. 580-669: Fair. Instead, we work with Equifax and TransUnion to. One uses FICO Score 9 based on data in my Equifax credit file. Experian CreditWorks Basic: View your Experian credit report for free every month. Dispute directly with the company that reported the information to TransUnion. The scores we provide are actual. Here are the services that. Some lenders only report to Experian or Equifax. This could lead to a person having a relatively lower score on Experian compared to the two other bureaus. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Why is TransUnion credit score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. I am and have been getting alerts from Myfico about a lot of changes in my TU and EX since the beginning of February. Why are my credit scores. " On the next page, click on the "Reports Only" tab. 164 (including taxes/handling charges). I have 596 Exp and 670 with the other 2. We would like to show you a description here but the site won’t allow us. Tackling those reasons will help improve your score along with practicing good credit behaviors. My Experian is looking pretty tidy. They have change slightly since I originally post the. The higher the number, the more trustworthy the consumer appears to be. 0 based on my TransUnion credit. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Suzanne Kvilhaug. For auto and personal loans, banks usually ask only one of the three big credit-reporting firms — Equifax, TransUnion or Experian — for a score, Bingham said. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about your credit accounts. It was developed by the three major consumer credit bureaus — Equifax, Experian and TransUnion — to create a “more predictive scoring model that is easy to understand. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. 5/5 ( 12 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. . In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Why is my Equifax score low? A low score (less than 650) indicates a high-risk customer with a high probability of defaulting on debt obligations. (Experian, Equifax and TransUnion). 0 adopted the same. Similarly to. The key thing to understand is the difference between a credit bureau and a scoring model. 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. For example, Experian puts a 35% emphasis on your payment history, whereas TransUnion puts a 40% emphasis on this category. Why is my Equifax score lower than Transunion? That’s like almost 100 point difference between Transunion and Equifax! The difference between my personal Transunion and Equifax credit scores. FICO® Score 9 looks at medical debt, paid collections and rental history differently than previous versions of the FICO® credit-scoring models. TransUnion provides the VantageScore 3. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using with a range of 300-850. Score: 4. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. These are all Fico score 8 scores which uses a 300-850 scale. TransUnion is bringing up the rear among the three. New credit: 10%. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. The Equifax credit score model falls on a credit rating scale that starts at 280 and ends at 850. Is there a specific reason for this? A: The reason your credit scores are different from each other is because of the different information that the credit bureaus have about you. These are things like lates and collections and. However, interest rates will be higher, and the loan amounts will often be lower. Below are three VantageScore 3. Equifax and TransUnion scores can only be as accurate as the information they receive. ). 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. Yes, equifax and transunion from credit karma so vantage score 3. Some key factors in your scores, like on-time payments and age of credit history, can take several months or even years to establish. Why is my Equifax score lower than TransUnion? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. In my experiance, they seem to be more up to date on your payment history, but not your balance. Though both TransUnion and Equifax do the same thing (calculate your credit score), they do it in different ways – which means it’s not unlikely that your credit score may be slightly different between the 2 companies. Experian and Equifax are the two largest credit bureaus in the United States. Similar numbers. Why is my Credit Karma score higher than my actual score? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. I have 596 Exp and 670 with the other 2. Frequently applying for credit card or loan offers can certainly cause a drop in your credit score. Experian should give you the negative reason codes that are holding or suppressing your scores if you click on your FICO8 score. A credit score discrepancy is a difference in your credit score from one credit bureau to another. Why is my Equifax so much lower than TransUnion? The lower Equifax number is a common concern for many people. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also. Yes we display your Equifax credit score. Current spread is 81 points. Why is my Experian score so much lower than Credit Karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. But each model makes very different scores. 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. In general, the higher your score, the better your chances of getting approved for credit cards or loans with more favorable terms, including lower interest rates and fees. 300 to 579 (poor credit): Most lenders will reject applications from borrowers with a score in this range. Credit Karma for credit score accuracy, you may want to understand first why you have multiple credit scores — and how your scores affect your financial progress. TransUnion is bringing up the rear among the three. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. TransUnion: Credit Rating. . There are many different scoring models. See moreWhy is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit. If your credit file is different with each credit bureau, then your credit score might be different as well. But at my credit union, I have access to two different score models. A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. Lenders are generally checking your FICO score, which is yet again different than either the Equifax or Transunion. It is really affecting me getting an auto loan. Equifax 54%. Can be off by up to 100 points —causing you to under or overestimate your creditworthiness. Credit Karma is a user-friendly online service that offers free Vantage 3. FICO® Score 8 may punish numerous late payments more severely than previous versions. In general, the higher your score, the better your chances of getting approved for credit cards or loans with more favorable terms, including lower interest rates and fees. The Equifax credit score you receive from the Borrowell website is generated directly from Equifax and is called the Equifax Risk Score 2. Some report to all three. . And a lender may report updates to different bureaus at different times. The credit history reflected on your credit reports and scores can directly affect your ability to get credit. Good: 670 to 739. Or, if you have an account that is incorrectly reporting a late payment, then this will cause a huge hit to the payment history portion of your score. The only discrepancies that I see from my creditkarma report is transunion reports 3 inquiries (3 credit cards) while Equifax reports 1 (just my verizon wireless--soft pull I presume) and on transunion the only thing that is not showing up is a recent payment that I made on my Bank of America card that brought my utilization on that card from 99% (I. In my experience, I've found Equifax is generally more thorough than Transunion. Transunion: 676. 0. And even if a lender reports your credit information to both bureaus, they may do so on different dates, meaning your credit score could be up-to-date with one bureau and out. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you’ll see wide credit score. Why is my Equifax score 100 points lower than TransUnion? You might expect all of your credit reports and scores to be the same, but they are usually not. wrote: I'm in the same boat. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. The Bottom Line. Multiple late payments matter more. I work at a credit union and can tell you we only report to Equifax and Experian. When your score is high you have better opportunity for lower lending rates. Your score — along with other. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. ”. FTC's website on credit. Equifax offers a variety of credit monitoring services priced from $4. Learn more. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. An Equifax credit score is a traditional credit score that will range from 101 to 992. And even if a lender reports your credit information to both bureaus, they may do so on different dates, meaning your credit score could be up-to-date with one bureau and out. I painstakingly fixed my credit score after several years of lousy credit and monitor my score regularly through CreditWise from CapitalOne, which is based on TransUnion, and from USAA which uses Experian. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. FICO. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. It shows my Transunion score from 4 months ago -February 2015 (score=715) and my Equifax score (NO SCORE) as of 1 - 4072030. What a credit bureau is. 0 is relied on by lenders across a variety of industries. Why is my Experian score lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. The result is that there are multiple FICO Score versions available, in addition to the most widely used version, FICO Score 8. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. At you can buy just a credit report and FICO score for $15. If you plan on applying for credit, make sure to check your FICO Score since there’s. Credit Report costs Rs. A good score with TransUnion and VantageScore® 3. Why is my Equifax score lower than FICO? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. 10% types of accounts, known as credit mix. Most banks use FICO scores. 0 scores. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Like all credit-reporting agencies, TransUnion and Equifax use. As the information on your reports directly impacts your credit score, it can be beneficial to check the reports and make sure everything is correct. TransUnion differs in credit history length. Although ranges vary. Why is my Equifax score 100 points lower than TransUnion? You might expect all of your credit reports and scores to be the same, but they are usually not. Consumers. A one-time report from a single credit bureau, whether it's Experian, TransUnion, or Equifax, costs about $20, though you can get a report from all three for $60. Credit bureaus are companies that collect consumer credit information. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. Similar numbers. The whole credit industry is weird. The CRA each calculate their scores uniquely so they do tend to move differently for different things. The other two only report the name of your employer and do not add any weight to that fact. Of course, getting at or close to 0% is best. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 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. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. Very good: 740 to 799. THere are many more than that. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. We would like to show you a description here but the site won’t allow us. A “good” score may rest in the 661 – 720 range. These scores are not provided by Credit Karma. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. The higher the number, the. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. It should just be math. The other two only show one credit report and the name of your employer and do not add any weight to that fact. It also impacts your cost of borrowing. My scores are 850, 850 and 840 for Experian, Equifax and TransUnion, respectively. Why is my Equifax score lower than TransUnion? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the criteria. Below are the reasons mentioned for Equifax:What is the difference between Experian and Equifax and which one might be better for you? Read more to find out. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. Regarding credit reports, Equifax includes 81 months of credit history, whereas TransUnion includes 84 months. Why is my Experian score so much lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. This factor can affect your credit scores even if you pay your credit cards off in full each month. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. They. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3. Both companies collect credit information on individual consumers, which they sell to lenders and. The other two only report the name of your employer and do not add any weight to that fact. We would like to show you a description here but the site won’t allow us. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. I have since received a letter from Amex mentioning specifically my TransUnion credit report, so I created an account on TU to see my full report as well as download Credit Karma to check my TU score (as its apparently. TransUnion vs. But remmember too that those scores are only about 7% apart. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. Credit mix: 10%. Certain things are plus or minus out of 800 this is your score. Credit bureaus are companies that collect consumer credit information. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. This is why your score can be so different with each one. And a lender may report updates to different bureaus at different times. Both companies collect credit information on individual consumers, which they sell to lenders and. We’ll explain what a credit bureau is, why Experian, Equifax, and TransUnion show different scores, if one bureau’s score matters more than the others, and ways to improve or build your credit score. Would love to know the answer! Hello - 1303709Understanding credit score ranges. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. Some lenders only report to one credit bureau, while other lenders report to both. In general, good credit scores can make it easier and cheaper to borrow than low credit scores. You Might Have Scores From Different Dates. Why is my Equifax score so much lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. You were the victim of identity theft. There are a number of reasons for this. Debt balances make up about 30% of the typical credit score. TransUnion’s credit monitoring services cost $24. Here’s how the score ranges are broken down: 800-850 – Excellent. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. It is really affecting me getting an auto loan. Helpfully, and perhaps defensively (if it does report lower scores than the other bureaus), Experian has an explainer article. Why Is My Equifax Score Lower Than TransUnion? The lower Equifax number is a common concern for many. Hello everyone! Not too long ago I made a post about my cobalt application being denied despite my Equifax credit score being 793. My Transunion score is in the tank though at around 567. Length of credit history: 15%. Why is my Credit Karma Score much lower than FICO Score? I signed up for that $1 promotional 3 Bureaus report from an Experian company. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score, the better. In fact depending on the credit bureau it can range up to 80 point difference. Some lenders only report to one credit bureau, while other lenders report to both. Provided your lenders report your payment history to the three nationwide consumer reporting agencies, a secured credit card can be a powerful tool for building and improving credit. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. I have 755 with Transunion, and 646 with Equifax. 280 - 850. Just remember that none of your free credit reports include your credit score. FICO. Another invisible difference between these agencies is the data collected. FICO 8 is more. It falls below the national average FICO ® Score of 710, and solidly within the fair score range of 580 to 669. TransUnion ranges from a low of 300 to a high of 850. Second, Experian considers a different. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. I thought it would help me get a good. Good Morning, Apologizing in advance if this question has been asked previously. It is also important to note that lenders might send their reports at different periods of time, so it is possible that TransUnion might have fresher updates than Equifax and vice versa. Generally, anything over 556 is an acceptable credit score. Although FICO and VantageScore use the same data, they process. For example, let's say you're going to buy a house. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. 95 a month. Depending on what your scores are, you may wonder what they mean. Generally, the credit bureaus collect information from different sources and have their own scoring model. These factors are likely to. My Equifax (from Borrowell) is consistently 80-100 points lower than my TransUnion score (from CreditKarma/BMO), despite both reports showing the same credit accounts, inquiries and lack of collections or other negative items. I don't understand how they can be different by 30 points, let alone. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. . Why is Equifax lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. 1. In a Nutshell. They’ll likely be slightly different, and it’s possible they could be very different. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. 03-29-2007 08:24 PM. Experian: 715Score: 4. Why is my Equifax score lower than FICO? Asked by: Miss Megane Kuphal Jr. Equifax, Experian and TransUnion are the three credit bureaus responsible for reporting your credit score. So, if you have a $4,000 credit limit, your balance should remain below $1,200. The other two only report the name of your employer and do not add any weight to that fact. I thought 900 was a hypothetical score, like someone bowling 300. For instance, Equifax uses a scoring model known as the Equifax Credit Score, while TransUnion uses a scoring model known as the. If you plan on applying for credit, make sure to check your FICO Score since there’s. They are my spouses cards and we share the same address and last name, of course.