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Why Do I Have 3 Different

Why do I have 3 different credit scores and why is there such a big difference between the three scores? You have three different credit scores because there are three main credit bureaus, or three main credit repositories. There is , Equifax, and Experian. Your credit scores are different between the 3, because each one of them has their own different credit scoring model that they use. That means that different items will affect your score differently between each of them. There may be a big difference in your scores between the three of the bureaus because of many reasons. One reason could be that some creditors only report to one or two of the bureaus and others report to all 3. If one of the creditors that does not report to and Equifax, but reports to Experian has a bad payment history on your liability with them, your Experian score could be much lower than your and Equifax.

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