Only Credit Report costs Rs. That’s because a major factor in credit. wrote: I'm in the same boat. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher. Equifax Equifax scores range from 280 to 850. Takedown request | View complete. Why is my Equifax score lower than TransUnion? The credit bureaus may have different information. This is no different when it comes to Equifax vs. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. Whether it's a 9 point drop or a 90 point drop shouldn't cause you to lose any sleep. In my experiance, they seem to be more up to date on your payment history, but not your balance. If you had unexpected expenses and you put them on a credit card or cards, your credit score could drop. Experian’s free credit score is the FICO Score 8, the score most lenders use. 95 a year and eCredable LiftLocker for $9. The Differences Between Equifax, Transunion, and FICO. Updated: Aug 03, 2023 Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores. We would like to show you a description here but the site won’t allow us. The reason why TransUnion score is higher than Experian score is because they use different data models to assess creditworthiness. Good. Each company uses their own proprietary means. Differences in credit scoring formulas. " Still no change. 0. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Data Collected. These are what you see when you look up your. And a lender may report updates to different bureaus at different times. Yes, equifax and transunion from credit karma so vantage score 3. ERS 2. Variations in the data reported by creditors and lenders, as well as. The whole credit industry is weird. Credit score ranges vary based on the credit scoring model used, but are generally similar to the following: 300-579: Poor. It also impacts your cost of borrowing. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. The other two only report the name of your employer and do not add any weight to that fact. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. Like before, the higher the score, the stronger your credit. Equifax®: Which Score Matters More? Victoria Araj 6-Minute Read UPDATED: October 30, 2023 The look of your credit score can be. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Chase favors Experian, but may also buy Equifax or TransUnion reports. There are two plans available: eCredable Lift for $24. This is why your credit score is so important, not only for credit approval but also for things like your credit limit and the terms of the loan. From a BK years ago to: EX - 3/11 pulled by lender- 835, EQ -. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. wrote: wrote: I'm in the same boat. The other uses VantageScore 3. 0 use the same 300-to-850 range as base FICO ® scores. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. For example, let's say you're going to buy a house. Other factors used in determining. These are FICO 8 scores. This is free. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. 4/5 ( 61 votes ) Your Equifax score is lower than the other scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your system. TransUnion reports I have better credit than 2/3rds of the country but Equifax says I have better credit than only 1/3rd of the country. S. To get your updated score, simply access ‘My Profile’, click ‘Credit Score’, click ‘Get your score’, click ‘See your credit score’ and that is you opted back into the feature. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). These factors are likely to yield different credit scores, even if your credit reports are. A “good” score may rest in the 661 – 720 range. 8/5 (74 votes) . 99, you can view your Experian, Equifax, and TransUnion credit report as well as your FICO credit score. Most lenders (at least in the midwest) pull their reports from Equifax and almost all of them report to Equifax, which is why it tends to be the lowest of the three. The FICO scores are MUCH LOWER than the actual Equifax and TU scores. FICO scores are calculated based on five categories that each make up a percentage of your score: 35% payment history. Transunion: 676. The higher the number, the more trustworthy the consumer appears to be. 03-29-2007 08:24 PM. The Equifax credit score you receive from the Borrowell website is generated directly from Equifax and is called the Equifax Risk Score 2. The other two only report the name of your employer and do not add any weight to that fact. Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. 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. Experian. 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. 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. When a lender runs your credit, they’ll usually see your three FICO. . 0 scoring model. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. Credit score of 846 out of 999. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. THere are many more than that. While lenders use these reports and credit scores to decide whether or not to extend you credit, it leaves a lot of room. Find The Best Credit Reporting. Makes lending decisions consistent, fast, and fair. No disputes, no reason to cause them to be removed. Similarly to. Equifax: How to check your credit scores. So, if you have a $4,000 credit limit, your balance should remain below $1,200. First, lenders often perform what’s known as a credit check or a hard inquiry to review your credit reports and determine if you’re a suitable candidate for a loan. These companies compile information about your credit into reports that are used to generate your credit scores. The other uses VantageScore 3. 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. 0 is relied on by lenders across a variety of industries. But at my credit union, I have access to two different score models. One uses FICO Score 9 based on data in my Equifax credit file. They might also weigh your information differently depending on the type of credit account for which you've applied. Why is my FICO score so much lower than my TransUnion and Equifax? 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. Equifax offers a variety of credit monitoring services priced from $4. 472. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. My FICO went up like with the equifax reported by credit karma. If all is well, each agency should have all of your information identically. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. Equifax Credit Score. 2. For example, your Experian credit score. 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. Similar numbers. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. If it makes you feel better, most lenders don't even check them. The higher a score is on this scale, the better indication that the consumer poses a lower risk to creditors. 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. Credit bureaus are companies that collect consumer credit information. Equifax and TransUnion are two of the most popular credit bureaus in Canada, and more and more people are seeking out their services as they go to apply for mortgages, loans, condo rentals, and. Score: 4. Generally, the credit bureaus collect information from different sources and have their own scoring model. Was the Experian score pulled by a lender? And if so, what kind of lender?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. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. 45. Don’t be worried if that’s the case. Since there are so many free credit score resources out there, you should know that FICO is the most widely used credit score among lenders. Credit Karma only uses Trans Union data so it does not take into consideration Experian or Equifax data which can be different. Credit Score Ranges. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. I have 755 with Transunion, and 646 with Equifax. Although ranges vary. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. I did an experiment where I put all my spend on one card and none on the other (0%), and Equifax didn't update it until a month later. You can find the contact information under the account details section of your credit report. Your Experian, Equifax and TransUnion credit reports should be fairly similiar. The CRA each calculate their scores uniquely so they do tend to move differently for different things. FICO Score 9 is already being used by hundreds of lenders, and eight of the nation’s top 10 lenders have either evaluated it, are in the process of evaluating it or plan to do so, according to. If you discover that an impostor is using your identity, don’t panic. 0 scores from TransUnion and Equifax. 580-669: Fair. This month I've had two statements reported on Feb. 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. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. Why is my Equifax 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 any given time. The other two only report the name of your employer and do not add any weight to that fact. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. Hello - I'm using CreditKarma to monitor my credit, for over a month now my credit scores have differed by nearly 100 points. Why Is My Equifax Score Lower Than TransUnion? The lower Equifax number is a common concern for many people. Would love to know the answer! Hello - 1303709Why 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. So, it’s normal for your scores to differ from bureau to bureau. We would like to show you a description here but the site won’t allow us. 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. It's basically the difference between a report and a score. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. Suzanne Kvilhaug. See your credit utilization rate details for each bureau. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. VantageScore – it began in 2006 and is what Credit Karma uses. By law,. The Equifax is not a FICO score. TransUnion is bringing up the rear among the three. The other. Experian CreditWorks Basic: View your Experian credit report for free every month. 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. 95, but it is a little hard to find. 9/5 ( 64 votes ) Your payment history on loan and credit accounts can play a prominent role in calculating credit scores; depending on the scoring model used, even one late payment on a credit card account or loan can result in a decrease. 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. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. 590 on Experian, 651 on Transunion, exact same information for both. “It was close to 730. Credit Karma offers even more interactive tools and resources than Experian to help you improve your credit scores and meet financial goals. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Credit-scoring models can differ and. And only recently did we start reporting to Experian. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. . But if you find a significant difference, it’s worth investigating. Identity Guard. 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. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Good: 670 to 739. A few hours later, my Equifax Vantage Score 3. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. And a lender may report updates to different bureaus at different times. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. All consumers are entitled to one free. Cost of the Report. com and my transunion fico score is WAY lower than my Equifax fico score. Why is Equifax always lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. But remmember too that those scores are only about 7% apart. And less accurate for the lender ultimately. Score: 4. Credit score range. It falls below the national average FICO ® Score of 710, and solidly within the fair score range of 580 to 669. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. One place to look is derogs. Why Is My Experian Score So Much Lower Than Transunion And Equifax. A credit score is a three-digit number, typically between 300 and 850, designed to. . Another invisible difference between these agencies is the data collected. Step 2. The CRA each calculate their scores uniquely so they do tend to move differently for different things. Yes we display your Equifax credit score. The lower the number, the lower the individual’s credit rating. If you’d like to know more about the factors that influence your credit score, read our article on how credit scores are calculated. 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. That's funny. Different scores use a different scoring model and are the reason why they vary. Why is my Experian score 100 points lower than TransUnion and Equifax? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. The credit history reflected on your credit reports and scores can directly affect your ability to get credit. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. 590 on Experian, 651 on Transunion, exact same information for both. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. 10% new credit. Capital One doesn't have a favorite — but often pulls more than one. Even if the two bureaus received. Higher credit scores generally result in more favorable credit terms. 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. 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. Equifax vs. 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. 30% total debt. 0 model includes additional factors such as rent history and a ‘trended’ credit. Equifax is reporting nearly 100 points lower, actually updated today I see it dropped another 22 points because I. The whole credit industry is weird. 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. 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. This model ranges from 300 to 850. 0 and 4. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. 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. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. Each credit bureau will have a different credit score for each individual. It's also the least friendly to those just starting out building credit. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Data Collected. Experian is often a way better monitoring system based on their record keeping. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. But at my credit union, I have access to two different score models. 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. 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. 1. Hi, I use Credit Karma. 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. Using a variety of factors, the company will give you a three digit score ranging from 300 (lowest possible) to 850 (highest possible). There are two main scoring systems: FICO – it was created in the 1950s and is used by mortgage lenders. 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. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. Re: Equifax Score Not Updating. The other two only report the name of your employer and do not add any weight to that fact. (Experian, Equifax and TransUnion). This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio. They. Why is my TransUnion score 100 points lower than Equifax? The credit bureaus may not have the exact same information on you. Each company has its own method of collecting financial information about you, and the. Lenders like to see that the outstanding total balance on your credit cards is below 30% of what you have available. Why is my Experian 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. The result is that there are multiple FICO Score versions available, in addition to the most widely used version, FICO Score 8. And a lender may report updates to different bureaus at different times. It is normal for there to be a difference among your scores because of what goes in to calculating them, and it is normal for your Equifax and Transunion scores to be more similar than Experian because Experian FICO 2 is the 1998 version while both Transunion FICO 4 and Equifax FICO 5 are the 2004 version. 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. TransUnion is bringing up the rear among the three. 0 range from 501 to 990. 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. As the model differs, the results do the same. FICO and TransUnion’s New Account Score ranges from 300 to 850; Vantage, from 501 to 990; Equifax’s is between 280 and 850 and Experian ’s is 330 to 830. Length of credit history: 15%. 3. My suggestion is pulling the EX report and really going over it line by line, comparing it to your other reports. Credit Karma uses a different scoring system than the one mortgage lenders use. 1. Theyll likely be slightly different, and its possible they could be very different. On the next page, click on "Equifax Credit Report & Score. 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. Equifax is 100 points lower than TransUnion. 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. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. 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. | AUWhich credit bureaus banks check. If, for example, you pulled a copy of your Experian report and your lender is looking at your TransUnion report, the data may not. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. 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. Often called "educational" scores. Here’s how the score ranges are broken down: 800-850 – Excellent. So if Equifax has access to different information about your credit than TransUnion, your scores from each of the bureaus might also be different. The middle one was Transunion FICO 4 at 762, so I am getting the best rates. If you have many recent inquiries, lenders may assume that you are having financial problems. Scores range from 300 (very poor) to 850 (exceptional). This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. But each model makes very different scores. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. Very good: 740 to 799. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. 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. 0 adopted the same. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. My Transunion scores have always been the highest of the three. For instance, if you have a credit card with a $1000 credit limit reporting as a $100 credit limit, this could cause a big hit to your credit utilization ratio. These scores are not provided by Credit Karma. The Bottom Line. ClearScore gets your credit score and report from Equifax. 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. FICO is a separate product issued by a separate company. " On the next page, click on the "Reports Only" tab. This difference in emphasis can decrease or increase your credit score. That applied to both individuals and family plans. Score: 4. Therefore, there are other reasons why the numbers. But I have not had any alerts or changes since January 20 on Equifax at all. New credit: 10%. Equifax comparison, both rely on some of. The widely used FICO credit score, which is derived from information in your credit file, ranges from a low of 300 to a high of 850. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. I signed up for experians free credit report which includes your actual FICO score - I really wanted to know this number as I've read that Chase uses Experian scores for ecredit consideration and I was recently rejected for a Chase Saphire card. 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. I did find a couple of minor discrepancies on my Equifax report, disputed them, and they have been "resolved. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alerts Go to TransUnion’s site and submit a new dispute. . Why is Equifax lower? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional. Transunion Vs. They use different formulas to calculate your credit score. Your Equifax credit score may be sometimes lower and sometimes higher than your TransUnion score for a variety of reasons, including: Each of Canada’s two major credit bureaus use different credit scoring models to establish your credit score and file. 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. So your FICO scores are your most relivant scores, followed by Vantage scores. In my experience, I've found Equifax is generally more thorough than Transunion. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. It may also be looking at a different FICO scoring method. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. Conversely consumers with lower FICO scores at bureau "A" will likely get low FICO Scores at the other two bureaus when the underlying data is the same across the bureaus. I will update these charts on a monthly basis and make notes of any. Equifax and TransUnion scores can only be as accurate as the information they receive. Why is my TransUnion and Equifax score 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 that is weighted into their model. The information is compiled into a. Learn more. 10% types of accounts, known as credit mix. 4. Most banks use FICO scores. 5/5 (35 votes) . Re: Why is my transunion fico so much higher. But if you find a significant difference, it’s worth investigating. You were the victim of identity theft. TransUnion includes personal information and employment data, while Equifax focuses more on credit behavior and traditional credit data. Here's a few thoughts: You are basically wondering why your EX score is a lot lower than EQ or TU. Similar numbers. These are things like lates and collections and. 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. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. The point of this. Credit Report costs Rs. Feb 25, 2022.