Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. My Equifax is more than 100 points lower than my TU score. 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. 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 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. 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. Can be significantly different than your FICO Scores. Along with educational articles, it offers several loan and mortgage calculators. First, the Experian scoring model may differ from the ones used by TransUnion and Equifax. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. Recently got a credit check for a mortgage and the Equifax score was 700, much lower than expected. 300 to 579 (poor credit): Most lenders will reject applications from borrowers with a score in this range. "The most widely used credit scoring model is the FICO 8, which is used by the three largest credit bureaus, Equifax, Experian, & TransUnion (The Big Three). In addition, late payments remain on your Equifax credit report for seven years. Credit Score Range. 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 Equifax always lower than TransUnion?. 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. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score,. 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. Consumers. You’ll have to purchase your credit score separately. So I subscribe to both Equifax and Experian and have two completely different credit reports and now, ratings, for both. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. FTC's website on credit. And a lender may report updates to different bureaus at different times. While the high end of the range are all within 10 points of each other, the lower end shows a much larger span. We would like to show you a description here but the site won’t allow us. 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. 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. FICO is a risk score calculated based on your debt history; there are at least 40 different. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. 95, but it is a little hard to find. Comparing TransUnion vs. My relative's TransUnion score is currently in the 680s, the Experian score is in the 650s but the Equifax is only in the 620s. FICO credit scores have the following ranges: Below 580 = Poor. One uses FICO Score 9 based on data in my Equifax credit file. 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. Sponsored. It's a good idea to take advantage of this every year, to check that everything is accurate and. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. These are all Fico score 8 scores which uses a 300-850 scale. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. Score: 4. It's also the least friendly to those just starting out building credit. Secured credit cards may be especially helpful. 0. Dispute directly with the company that reported the information to TransUnion. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. The most common scores range from 300 points to 850 points. Data Collected. FICO® Score 8 is a little more forgiving of a one-time late payment than previous versions. 9. 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 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. 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. In my experiance, they seem to be more up to date on your payment history, but not your balance. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. I understand that they are different companies with different algorithms so a different credit score is understandable. My FICO went up like with the equifax reported by credit karma. It can certainly explain why your EX score is very different than the others. S. The other two only report the name of your employer and do not add any weight to that fact. There are many different scoring models. What a credit bureau is. Some lenders only report to one credit bureau, while other lenders report to both. Users of TransUnion eCredable Lift can report their utility bill payments, resulting in an overnight improvement to their credit scores. 0 use the same 300-to-850 range as base FICO ® scores. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. The information available online shows that Equifax uses an 81-month credit history. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. 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. When it comes to the TransUnion vs. My Transunion scores have always been the highest of the three. Say you have a loan from a lender that only reports to TransUnion. 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. 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. 0 scoring model. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. Under the menu, click on “free credit score”. 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 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. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. 95 per month. The most common scores range from 300 points to 850 points. TransUnion however gives me a credit score of 780 and Equifax a credit score of 730. 590 on Experian, 651 on Transunion, exact same information for both. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. That's funny. Good Morning, Apologizing in advance if this question has been asked previously. Credit Karma offers even more interactive tools and resources than Experian to help you improve your credit scores and meet financial goals. 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. The higher the number, the. Equifax. There are many different scoring models. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. 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. This is no different when it comes to Equifax vs. These are what you see when you look up your. 0 scores. 280 - 850. troyb. TransUnion’s credit monitoring services cost $24. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. So, it’s normal for your scores to differ from bureau to bureau. If you discover that an impostor is using your identity, don’t panic. 4. Even if the two bureaus received. It should just be math. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. The other two only report the name of your employer and do not add any weight to that fact. 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. 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. . 300-900. Why is my Experian score so much lower than TransUnion and Equifax? Reasons Why Your Credit Scores Differ From Bureau to Bureau – It’s unlikely that you’ll have the same credit score across each of the three credit bureaus. 95 per month to $19. Balance changes, lower utilization, score increase, etc. Use? , 90% of system design is similar few numbers in life accuracy or completeness of Equifax in the United one credit report. Why is my Equifax score so low? 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. 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. It provides two scores, one based on credit bureau data from Equifax and the other based on data from TransUnion. Why are my scores differ so much and Which score will…Experian, Equifax, and TransUnion each offer credit monitoring services. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. 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. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. FICO® credit scores are the auto industry standard for determining a potential buyer's creditworthiness. Most banks use FICO scores. 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. We all collect similar information, and. Another invisible difference between these agencies is the data collected. But if you find a significant difference, it’s worth investigating. This may be a silly question but how come my Experian score is so much more different than my Equifax and Transunion scores? I get that they vary a little depending on the credit reporting company but my Experian score is drastically lower than the other two and I'm not sure why. All you need is to follow the steps below: Login to your CIBC account on the mobile app. Regarding credit reports, Equifax includes 81 months of credit history, whereas TransUnion includes 84 months. The other two only report the name of your employer and do not add any weight to that fact. A failure risk score will range from 1001-1,610, with a lower number meaning that the business is a high risk. For more information please visit us at and book an appointment today. But if you’re looking to take out a loan anytime soon, we still. ClearScore gets your credit score and report from Equifax. The first two versions of the VantageScore ranged from 501 to 990, but the latest VantageScore 3. The only difference is that I have a single collections account reporting which is bogus. 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. 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. 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. FICO scores are generally calculated using five categories of information. VantageScore uses three different credit bureaus — Experian, Equifax, and TransUnion — to compete against FICO, and each bureau uses different algorithms. Why is my TransUnion score so low? There are two main reasons why credit scores for the same consumer can vary by more than a few points: Differences in the information on file at the three major credit bureaus – Equifax, Experian and TransUnion. Got the credit report back in mail and it seems equifax beacon 5 (FICO score 5) came out like 30 points lower than Experian (FICO 2) and Transunion (FICO 4). JUST NOW I ran my credit reports from all three agencies -- Experian, Equifax, Transunion. Differences in credit scoring formulas. The lower Equifax number is a common concern for many people. The other two only report the name of your employer and do not add any weight to that fact. What qualifies as a good score can vary from one creditor to. Score: 4. Additionally, if the account you closed was your oldest line of credit, it could negatively impact. Feb 25, 2022. My Transunion score is in the tank though at around 567. ”. 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. This data is then distilled and calculated to create your credit score. I just pulled my Transunion and Equifax FICO scores from myfico. 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. We would like to show you a description here but the site won’t allow us. Equifax 54%. Yes, equifax and transunion from credit karma so vantage score 3. Although ranges vary. Inquiries stay on your credit report for. 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. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. They’ll be in red and in order of importance. My VantageScore number is 41 points lower than my FICO score -- still lower, but a less drastic difference than what Brian saw. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide. The above actions will provide the necessary details needed by TransUnion to recalculate your score using your new address details. 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. We would like to show you a description here but the site won’t allow us. Lenders can use any of the credit reference agencies to check your credit score in the UK. Even large deviations between credit. FICO® Score 8 may punish numerous late payments more severely than previous versions. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. Takedown request | View complete. Cost of the Report. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. Experian’s free credit score is the FICO Score 8, the score most lenders use. In this case, there might be a brief period where your Equifax credit score is significantly lower than your TransUnion credit score. 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. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. Theyll likely be slightly different, and its possible they could be very different. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. TransUnion 30%. 0. 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. There are a number of reasons for this. If you’re wondering why your Experian score is lower, you’re in the right place. Experian is 601 and Equifax is around 689. My Equifax report still lists my employer as "Parental Allowance" from when my parents helped me get my first credit card at 18. com and my transunion fico score is WAY lower than my Equifax fico score. Equifax's different credit scoring model results in lower scores. 0 scoring model. You are accessing the "consumer" credit report. 0 and 4. 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. Credit card utilization is the ratio of credit card balances to available credit card limits. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. 0 is relied on by lenders across a variety of industries. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. I work at a credit union and can tell you we only report to Equifax and Experian. 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. 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. These scores are not provided by Credit Karma. " On the next page, click on the "Reports Only" tab. TransUnion is bringing up the rear among the three. FICO 8 is more. 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. 0 is between 720 and 780. An Equifax credit score is a traditional credit score that will range from 101 to 992. 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. Experian always seems to be my middle score while Equifax brings up the rear. There are a number of reasons for this. These scores are not provided by Credit Karma. Unlike with FICO where a good credit score is 670, VantageScore requires between 720 and 780. Find The Best Credit Reporting. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. While they consider many (if not all) of the same factors when calculating your score,. The other two only report the name of your employer and do not add any weight to that fact. You also have auto, mortgage and bankcard scores. Your VantageScore® 3. A creditor could be reporting your payments to just one or two of them, instead of all three. 580-669 = Fair. However, VantageScore 3. Some people want to achieve a score of 850, the highest credit score possible. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. There are many reasons why the numbers between Equifax and Transunion may differ so much. 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. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. Equifax is 100 points lower than TransUnion. Certain things are plus or minus out of 800 this is your score. A credit score discrepancy is a difference in your credit score from one credit bureau to another. The other. TransUnion provides the VantageScore 3. 5. These are FICO 8 scores. 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. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. 0 on Credit Karma will likely be different from your FICO Score that lenders often use. So your FICO scores are your most relivant scores, followed by Vantage scores. Equifax ID Patrol™ Help better protect your identity and stay on top of your credit. Credit-scoring Models Are Different. . Capital One doesn't have a favorite — but often pulls more than one. Equifax 834, Transunion 900. Maybe some small difference, like if you get a hard pull, it may only be on one but not the other. Great chance you are comparing a score from Credit Karma with a range of 501-990 versus the score your bank is using. Third parties use many different types of credit scores and. Different scores use a different scoring model and are the reason why they vary. Re: Why is my Equifax so low. My mortgage broker said because of the 588 score, I wont even get an offer from her 30 lendors so she said it's probably not worth even applying/trying until I get that to an even 650 on Equifax. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. The lower Equifax score compared to TransUnion can be attributed to the different factors and weighting used in their credit scoring models. FICO is used in about 90% of lending decisions. Equifax 802, Transunion 848, Experian 839. That applied to both individuals and family plans. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score. TransUnion is bringing up the rear among the three. Most banks use FICO scores. 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. 0 is relied on by lenders across a variety of industries. Equifax: 711. The credit bureaus may not have the. In other words, your credit utilization rate is how much of your available credit you’re using at any given time. 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. 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. 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. Experian utilizes the FICO scoring model while TransUnion scores are based on the VantageScore model. 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. Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. VantageScores above 780 are considered “superprime” while those between 601 and 660 are “near prime. Financial Smarts Transunion vs Equifax TransUnion® Vs. 590 on Experian, 651 on Transunion, exact same information for both. Here are the services that. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Very good: 740 to 799. One or more of your lenders aren't reporting to Transunion. Both hard and soft inquiries appear on your credit report, but it’s the hard inquires, those related to applying for credit cards and loans, that affect your score. THere are many more than that. wrote: Why is my Experian score 74 points lower than my TU and Equifax scores? It reports the same stuff as the other 2. By comparing the different reports from each agency, you can make a more informed decision. On Credit Karma you’ll see scores and reports from TransUnion and Equifax, both using the VantageScore 3. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. Similar numbers. Tackling those reasons will help improve your score along with practicing good credit behaviors. They might also weigh your information differently depending on the type of credit account for which you've applied. First, it is important to understand what a FICO score is. First things first. Scores range from 300 (very poor) to 850 (exceptional). What a credit bureau is. Hard inquiries help your lenders track how frequently you have applied for credit and can cause. Frequently applying for credit card or loan offers can certainly cause a drop in your credit score. You Might Have Scores From Different Dates. Just follow the general advice given to you and you'll be fine (pay all your bills on time, keep utilization low, let credit age, open various types of loans, etc. Many creditors have a custom one, so may not even use the score you see. 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. Fair: 580 to 669. The average VantageScore 3. Instead, we work with Equifax and TransUnion to. 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. FICO Scores range from 300 to 850. 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. Debt balances make up about 30% of the typical credit score. Your Experian, Equifax and TransUnion credit reports should be fairly similiar. 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). 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. It's just a list of your current outstanding loans, and if you're in good standing with them. I will update these charts on a monthly basis and make notes of any. 0 range from 501 to 990. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Note that a credit report =/= credit score. I have been watching my score with Credit Karma and just checked by paying Equifax, and my EQ is 81 points lower. Why is my Equifax score lower than TransUnion? The credit bureaus may have different information. Other factors used in determining. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. in 2020 TU was ~40 lower than my EQ and ~30 lower than my EX. 118 and 1 credit report with credit score costs Rs. If it makes you feel better, most lenders don't even check them. | Last update: February 9, 2022. That’s because most issuers report credit. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Equifax comparison, both rely on some of. The scores currently showing on my credit karma account are 720/723 for Transunion and Equifax respectively. Which is better Experian TransUnion or Equifax? Based on our analysis, Experian provides the best service for the money. Credit Score Ranges. 0 based on my TransUnion credit. However being under 700 on one while being over 800 on the other is unusual. 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. 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 three credit bureaus are Equifax, Experian, and TransUnion. A 150-Point Difference in ScoresSimilarly, if you pay off a credit card debt and close the account entirely, your scores could drop. Credit score ranges vary based on the credit scoring model used, but are generally similar to the following: 300-579: Poor. Thanks in advance, L C BMW pulled a 540 experian for me while USAA and capital one. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). The Bottom Line. 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. 03-29-2007 08:24 PM. Equifax vs. FICO ® Scores have been updated to reflect this change in behavior. Why Is My Experian Score So Much Lower Than Transunion And Equifax. Multiple late payments matter more. Not on the electoral register (due to a muck up in my local office but soon to be rectified) but that should push me up. This won’t show up on your Experian or Equifax records. Although FICO and VantageScore use the same data, they process. That’s the highest factor percentage, which means it’s critical to pay bills on time with no exceptions. TransUnion: Credit Rating. Then you at least know the EQ and TU scores are FICO's. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. FICO is the most well-known and widely used scoring model, as 90% of major lenders rely on those scores when evaluating applicants. Experian. But if you find a significant difference, it’s worth investigating. By law,. On the next page, click on "Equifax Credit Report & Score. 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. My Equifax FICO dropped 21 points because of this.