Box 740241. 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. However, VantageScore 3. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. Internet scanning to detect use of. Main Credit Bureau Phone Numbers. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. , but TransUnion and Equifax are thought to be just as accurate and important. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. The VantageScore model is also accurate, but FICO is more commonly used by loan providers;. Hot Tip: You must request the free reports within 60 days from the date of the suspected wrongful action. If you’d like to know more about the factors that influence your credit score, read our article on how credit scores are calculated. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Is TransUnion more important than Equifax?. Its scores are used by more than 2,600 financial institutions and 9 of the 10 largest banks. Definition and Examples of the Fair and Accurate Transactions Act. To register for TransUnion Credit Score: From the app’s Home screen, tap My updates. In the past, I have seen the same thing happen, but the month after TransUnion was back at the level it was. Is Equifax more important than TransUnion? Is TransUnion more important than Equifax? The short answer is no. But Canadian consumers cannot access their. TransUnion: 300–850. That applied to both individuals and family plans. TransUnion just dropped 20ish points while Equifax got 3 points higher. Experian: 300–850. As credit reporting agencies, they are governed by the Fair Credit Reporting Act (FCRA), a piece of legislation that governs credit bureaus, tenant screening services, and other consumer reporting agencies. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. , TransUnion and Equifax are widely considered to be just as accurate and important. Free trial includes all features;. TransUnion is bringing up the rear among the three. 0. ”. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. Equifax is generally considered the most accurate, because it uses what’s called a “true credit reporting model. Of those complaints about TransUnion, 24,800 were related to incorrect information on a credit report and 8,300 involved problems with the agency’s investigation into an ongoing issue. Request your free credit reports. To get a complete view of your credit report, you need to check all three credit reports offered by the major credit bureaus. S. They both calculate credit scores and reports, but have different models and features. Some people want to achieve a score of 850, the highest credit score possible. The most accurate credit report is the one that includes all of your loans and credit accounts and is error-free. TransUnion’s credit monitoring services cost $24. A good score with TransUnion and VantageScore® 3. Which Credit Bureau Is Most Accurate? In the U. Which credit report is most accurate? Although Experian is the largest credit bureau in the U. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. TransUnion and Equifax calculate credit scores using different models. 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. Credit bureaus must remove your name from marketing lists if you ask. TransUnion and Equifax may differ with the information they present, one may favor certain lenders more than the other, however, it is important to remember that the information provided by both TransUnion and Equifax is considered to be. TransUnion will put more weight on your employment history. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. While it's a product from one of the three main credit agencies in the U. Of the three credit reporting agencies – TransUnion, Experian and Equifax – TransUnion racked up the most complaints. The big three consumer credit bureaus — Equifax, Experian, and TransUnion — create consumer credit reports that companies can use to assess the creditworthiness of individuals. That said, both TransUnion and Equifax have their own. These scores may not match up exactly with credit scores based on the FICO® Score 8 credit-scoring model, but they rely on many similar factors. Equifax: 280–850. 0. Some people want to achieve a score of 850, the highest credit score possible. It offers a quick glance at your credit health and history of paying back your debts. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. Say you have a loan from a lender that only reports to TransUnion. 0% dividend yield. 95 per month, as mentioned above. You can get free Equifax credit reports at annualcreditreport. Checking your TransUnion credit report can help you understand what lenders may see if they check your credit. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. Alerts when key changes are detected in credit report. A good score with TransUnion and VantageScore® 3. Alternatively, Equifax is better for obtaining a detailed credit history and for evaluating overall financial standing. Equifax. Equifax Information Services LLC. The idea that checking your credit score will have a negative impact is a common myth. : Equifax, TransUnion and Experian. Highlights: Checking your credit history and credit scores can help you better understand your current credit position. 5 million fine from the Federal Trade Commission in 2000. We make trust possible by ensuring each person is reliably. Simply put, there is no “more accurate” score when it comes down to receiving your score from the major credit bureaus. Is TransUnion more accurate than Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. You have the right to get a free copy of your credit report every year from the three nationwide credit bureaus: TransUnion, Equifax, and Experian. Is Equifax more accurate than TransUnion? It is difficult to definitively answer the question of whether Equifax is more accurate than TransUnion. Is TransUnion more accurate than Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. TransUnion vs. The nation’s consumer watchdog agency on Tuesday ordered the credit-reporting agencies TransUnion and Equifax to pay more than $23. beekeeper1981 • 9 mo. The TransUnion TransRisk score ranges from a low of 300 to a high of 850, where 850 is considered to be excellent. 2 stars: $20 per month billed annually or $17 per month billed monthly: Up to $2 million ($1 million per adult) Equifax, TransUnion, Experian: ID. RANGES. ”Key takeaways. What’s more important are the changes you observe over time in a single score and where that number puts you concerning other consumers. 6 million in restitution to consumers, and fines totaling $5. Three things to know about credit report disputes. Its scores are used by more than 2,600 financial institutions and 9 of the 10 largest banks. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. One of which is that they use different algorithms to calculate your credit score. Free weekly online credit reports are available from Equifax, Experian and TransUnion. So is Credit Karma going to give you an accurate credit score? They should be pretty close. For example, your credit card utilization rate is considered a high-impact factor in both. Like Equifax and TransUnion, Experian collects data from a person’s credit history to make an accurate credit report. You may already know that there are multiple ways you can get a free credit report. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. Learn how credit bureaus collect and use your information to create credit. Some financial advisors suggest staggering your requests over a 12-month period to help keep an eye on your reports and make sure they have accurate information. You should file a credit dispute if you see. 0 and VantageScore 4. Which credit report is most accurate? The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. TransUnion agreed to pay $11 million to consumers and a $4 million penalty as well as to make sure it properly reports eviction data. In reality, both scores are. Currently, no one credit bureau is considered to be more accurate than the other. $19. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. The company uses several different formulas to calculate credit scores—including VantageScore 3. AnnualCreditReport. Summary: It's common for your credit scores to differ from one credit bureau to the next. Jan 22, 2018 35 21. Annual 3-Bureau credit report and VantageScore credit scores. The company also markets its businesses credit reports, analytics, demographic data, credit fraud, identity theft prevention products, and software. The accuracy of credit reports varies based on which. See moreTransUnion and Equifax are two of the three major credit bureaus that generate credit reports and scores for lenders. Protect what you’ve built with Credit Lock Plus, and rest easy with up to $1MM in ID theft insurance. 2 million in fines and restitution for deceiving consumers about the. Although Experian is the largest credit bureau in the U. By law, consumers can submit complaints about incomplete or inaccurate credit reports to the CFPB. TransUnion differs in credit history length. Believe me, Equifax and TransUnion are the last two you don't want to mess with unless you are loaded with cash. Which Credit Bureau is Most Accurate? Aside from reporting errors, neither TransUnion nor Equifax demonstrates better accuracy. 0 is between 720 and 780. Equifax, TransUnion, Experian: Aura Couple: 4. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. 0. Equifax, TransUnion and Experian remain the three largest consumer credit reporting agencies. This is because accuracy can depend on a variety of factors, such as the source of the data, the handling of the data and the methods used to compile and report the information. Inaccurate information can appear on any of your credit reports if it is reported incorrectly by your lender or is a. A score of 720 or higher is generally considered excellent credit. As part of the settlement from the Equifax data breach in 2017, everyone in the U. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. TransUnion, 1-800-680-7289. FICO, which is a U. And that can help prevent any surprises when you apply for a new loan or credit card. To access these free reports, go to this site. S. This trio dominates the market for collecting information about consumers in the credit markets. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. “The incoming administration is supportive of policies that would bring more accurate and reliable data into the credit reporting. One other thing to note is that the length of your credit history used by the 2 credit. Those are TransUnion, Equifax and Experian. If you believe information on your Equifax credit report is inaccurate or incomplete, you can file a dispute. Learn more. You’ll be presented with the TransUnion CreditView Dashboard that shows your TransUnion Credit Score, how you compare to. You may already know that there are multiple ways you can get a free credit report. 0 scoring model . First, a credit report dispute is when you notify a credit bureau like Equifax about something being wrong. This is by far the most comprehensive database of consumer financial insights available in the market. Experian PLUS score: 330–830. One issue is that most lenders utilize the FICO model and Credit Karma uses the VantageScore Model which means that the scoring system is different from most lenders. At first, VantageScore credit scores featured a different numerical scale (501 to 990). 0® by Experian. Get notified when there are important changes to your credit reports. TransUnion also offers general consumer assistance by phone at 833-395-6938. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. ”. Here’s how the score ranges are broken down: 800-850 – Excellent. Which credit score is more accurate Experian or TransUnion? Experian's free credit score is the FICO Score 8, the score most lenders use. These companies compile information about your credit into reports that are used to generate your credit scores. The three major credit bureaus are Equifax®, Experian® and TransUnion®. Some lenders only report to one. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax. It also provides scores for those with limited credit history. It is also very popular. Score: 4. ago. Dun & Bradstreet, Equifax, and Experian also offer commercial credit. The credit scores and credit reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. 95, giving you continuous access to your Equifax credit score. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. While Experian is the largest bureau in the U. And scores of 629 or below are bad credit. Some lenders only report to one credit bureau, while other lenders report to. The three Nationwide Credit Reporting Agencies (NCRAs) – TransUnion (NYSE:TRU), Equifax® (NYSE:EFX), and Experian (LON:EXPN) – are reinforcing their commitment to the financial health of U. Which is more accurate TransUnion or Experian? TransUnion: The Bottom Line. 0, which is used. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. 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. Takedown request. Based in. You can place an Experian fraud alert, and afterwards, Experian will notify the other two bureaus. According to the report, which was released in early 2022, most of the approximately 700,000 complaints related to inaccurate. When you apply for things like a new credit card, a mortgage or an apartment, the companies. Due to financial hardship resulting from the COVID-19 pandemic, you can get a free credit report each week through December 2023. TransUnion and Equifax are two of the three main credit reporting agencies in the U. The three-digit score is a numerical representation that indicates how risky a borrower you are from a lender’s perspective. Credit Karma is perfectly accurate to check your account for. Determining your score is more complicated than just weighing the different aspects of your credit. Some lenders don’t report a consumer’s activity to any. The information is accurate, sourced from Equifax and TransUnion. In reality, both scores are equally accurate as they have their own scoring system. Buy your score from one of the three major credit reporting agencies: Equifax, Experian, or TransUnion. Phishing is a cybercrime that can occur when you request your credit check. One of the most evident differences between these two bureaus is that. Key Takeaways. Highlights: Regularly checking your credit reports is a good way to ensure information is complete and accurate. While there’s no exact answer to which credit score matters most, lenders have a clear favorite: FICO® Scores are used in over 90% of lending decisions. Equifax vs. If the scores vary based on the same scoring model, then Credit Report information could be different at each of the 3 bureaus. 0; Equifax VantageScore 3. You can think of it as a snapshot of your risk level based on your credit history at a specific moment in time. Just remember that none of your free credit reports include your credit score. Which is more accurate Experian or Equifax? The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. So Credit Wise is accurate; it’s just that it won’t necessarily give you an accurate idea of where your FICO score stands since it’s a different model. ”Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. , it’s not necessarily more accurate than the other credit bureaus. 0 and 4. In both cases, higher. 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. Both Transunion and Equifax say the score is based on date as of 9/22/16 but experian says based on data as of 9/2/2016. Similarly, a good credit score under the FICO Score model falls between 670 and 739. 1. 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. Is TransUnion or Equifax more accurate? If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. 000 in identity theft insurance. It is a useful tool for monitoring credit before major. TransUnion is currently offering free. com. Why is my Equifax score so low? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. Welcome to North America! Lol . But in reality, nearly 50 companies appear on the Consumer Financial Protection Bureau’s list of consumer reporting companies. Transunion vs Equifax - Which Credit Score Matters More? (…Credit scoring model used: There are several models out there for scoring. It is also very popular. 6/5 ( 26 votes ) Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. Different Information Provided to Each Bureau. Another difference is that the Equifax credit score is. Here are a few ways: Check your credit card, financial institution or loan statement. Both TransUnion and Equifax use the latest Vantage 3. As the company has continued to grow the scores have become more and more trustworthy. If not, Credit Karma & Borrowell are your main go to then. Enjoy no monthly fees ¶, use eligible bills to raise your credit scores ø and more. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. When it comes to the TransUnion vs. Experian. Score: 4. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. The CFPB’s. 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 if there’s information on your report that’s incorrect, it will be corrected immediately. Blog. Experian, Equifax, and TransUnion are the three credit bureaus that provide credit reports. Equifax vs. The TransUnion Credit Monitoring service costs $29. By using Credit Karma to monitor your VantageScore 3. The Equifax Online Self-Service portal provides information on obtaining a credit report, disputing inaccuracies in your Equifax credit report, and managing fraud alerts and security freezes. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9. 3%. Consumers also have a VantageScore, which is the combination of your credit score from Equifax, Experian, and TransUnion. Internet scanning to detect use of. 5/5: Report Details and Frequency: 3. Your Equifax credit score is likely lower due to reporting differences. When it comes to credit score accuracy, every bureau holds its own and maybe preferred by a lender. Equifax confirmed the blunder on Tuesday, saying in a statement that the errors were caused by a computer coding issue that has since been corrected. TransUnion: Credit Rating. P. Is TransUnion credit score accurate? Many consumers are more familiar with FICO scores, as VantageScore is a more recent. Regularly checking your credit reports can help you be more aware of what lenders may see. The Bottom Line. Based in. So, that's at. The website was created in a joint venture between Experian, TransUnion and Equifax following the passage of the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit. For example, lenders can choose to report to one, two or all three. The Consumer Financial Protection Bureau ordered TransUnion and Equifax to pay more than $23 million in fines and restitutions "for deceiving consumers about the usefulness and actual cost of. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. Here are the services that TransUnion. Some aspects of your credit score aren’t completely within your control. This free service was first introduced at the o. The best credit monitoring services offer triple-bureau protection, meaning they monitor all three of the major credit bureaus —Experian, Equifax and TransUnion. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. S. The Equifax credit score is based on credit data from Equifax, while the FICO score is based on credit data from all three major credit reporting agencies. TransUnion VantageScore is, in fact, accurate — based on that credit score model. As well as the credit score and rating, Equifax also produces a credit. While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. They should accurately reflect your credit information as reported by those bureaus — but they may not match other reports and scores out there. Equifax phone number: 1-888-548-7878. That is your actual fico score. The Transunion customer service representative I dealt with was helpful and curtious. The nation’s three largest credit bureaus—Equifax, Experian, and TransUnion— said this week that they would make permanent consumers’ access to free, weekly credit reports via. Next is how to file a dispute with Equifax. , TransUnion and Equifax are widely considered to be just as accurate and important. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. Those reports are a key part of your credit score, and it's what banks and creditors pull when you apply for a credit card, loan or other lines of credit. So I have been using Credit Karma for a while to periodically check in on my TransUnion and Equifax scores, but tonight I was curious about - 3824503. Read the legal disclaimers and click on “Continue”. Experian’s free credit score is the FICO Score 8, the score most lenders use. The FICO Score ranges from a low of 300 to a high of 850. — Transunion: 655 [ creditkarma. However, there are a few issues with this. If you have a credit history that’s been reported to the bureaus, you can have a credit report with each of the major bureaus. S. 70% of U. TransUnion TransUnion ranges from a low of 300 to a high of 850. TransUnion is currently offering free weekly reports online. Box 4500. What is an excellent. VantageScore Solutions, an independently managed firm created by TransUnion, Experian and Equifax in 2006, just released the fourth version of its credit scoring model — VantageScore 4. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. TransUnion could focus more on educational resources for consumers looking to improve their credit scores. 0, which is used. This model scoring scale starts at 300 (the lowest) and caps at 850. Through the IXI Network, Equifax tracks more than $28 trillion in anonymized consumer deposit and investment accounts. Free monitoring services and. That said, both TransUnion and Equifax have their own strengths. Mail the form with your. Sponsored. The credit scoring process involves comparing your information to other borrowers that are similar to you. By comparing the different reports from each agency, you can make a more informed decision. By law, you're entitled to one free annual credit report. The Experian Smart Money ™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. 550. Equifax credit freeze: You can easily freeze your credit with Equifax on its website, or via an automated phone line: 800-685-1111 (800-349-9960 for New York residents). With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates. Just look for "Equifax Credit Report" on your myEquifax dashboard. Equifax, on the other hand, charges 9. This guide is designed to help you learn more about Equifax, one of the “big 3” credit bureaus in the United States. FICO ® Score 4 (TransUnion) As you can see, each of the three main credit bureaus (Equifax, Experian and TransUnion) use a slightly different version of the industry-specific FICO Score. However, the actual definition of an “excellent” score varies based on the credit type or the lender. Keep reports more quickly and report, which gives them Experian recorded that one home is the fact read. Is CreditWise Accurate? CreditWise uses TransUnion’s VantageScore 3. If you’re looking to get a mortgage, you will want to aim to have a credit score of at least 600. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Soft inquiries typically are not visible to lenders on your credit report. Credit and debt analysis personalized to your situation. When a borrower fails to make payments on a debt for several months, the lender may decide to charge off the debt and may close the account. . 0 model. com. The "Most" accurate is a MyFico account, which will give you all the FICO scores used for various decisions (Fico 8 is really only used for credit card/non-home loan decisions). So it is not so much that Credit Karma. O. Experian is kind enough to offer their FICO 8 score for free while Transunion and Equifax don’t. Based on our analysis, Experian provides the best service for the money. Based on our analysis, Experian provides the best service for the money. The TransUnion Auto Score, an industry-specific risk score, offers more accurate predictions on non-prime and sub-prime applicants. Your lenders may have provided less information to one bureau and more data to another. 6/5 ( 59 votes ) If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. For example, Equifax currently offers free access to your credit score, where TransUnion has kept that behind its $24. Having said that, your score is still extremely accurate even if TransUnion and Equifax’s numbers differ because. in 2022 reports, financial protection bureau fired at equifax, experian, and transunion brutally failed to adequately respond to consumers with evers and that. Equifax. You may. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. Unlimited access to TransUnion credit report and score. Instead, it provides you with a TransUnion Vantage 3. Spot identity theft early. Equifax may provide additional details on your overall credit usage. ”. The report came after the CFPB revealed that more than half of the complaints submitted to the agency from January 2020 through the following summer involved Equifax, Experian and TransUnion. com. 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. Blueprint is an. Review your credit reports. Learn More. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 164 (including taxes/handling charges). It also reveals your FICO Score 8—the score most lenders use—which can give you a better idea of what lenders see than the VantageScore that TransUnion provides. This is a newer scoring model created through a collaboration among the three major credit bureaus to devise. If you don't want to monitor your credit score yourself. The program also gives you access to your TransUnion® credit report, free monitoring alerts and up to $25,000 in identity theft insurance. — In my efforts to build credit. The credit bureaus manage records on your accounts, balances and the payments you make. Suzanne Kvilhaug. In the long run it may be more effective to. See your TransUnion® and Equifax® credit reports anytime. 0 is between 720 and 780. TransUnion will put more weight on your employment history. 95 per month. A patented hallmark of VantageScore is the ability to deploy the same model independently at Equifax, Experian and TransUnion, which results in a highly predictive and consistent consumer credit score. All plans offer access to. A score in the 700s and above is generally considered good, while a score below 600 is considered poor. The Federal Trade Commission and the Consumer Financial Protection Bureau (CFPB) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of $15 million to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction. Experian, 1-888-397-3742. With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates. The accuracy of the scores depends on the accuracy of the information provided to them by. Equifax vs. It also provides links to downloadable forms. Which credit score is more accurate Experian or TransUnion? While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. Credit Karma reports a 706, while Discover reports a 731, should I consider the one on my bill more accurate? Anyway, on to the real question, I. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. “Founded by Experian, Equifax, and TransUnion in 2006, our mission is to use data analytics to drive innovation and inclusion—giving consumers more credit access, and helping lenders make. FICO is a separate product issued by a separate company. See your credit score now and stay on top of it with updates available daily. 2.