Credit score discrepancy
Post date: 2021-10-26 02:26:28
Views: 125
Why is my FICO so much higher than my individual credit scores?

My FICO and TransUnion/Experian scores are way off from each other. My FICO is currently 755, which is decent. But when I pull my TransUnion and Experian scores, they are both hovering around 700, which is meh.

I pulled both of those credit reports to make sure nothing is off that would be dragging my score down, and nothing is off! The only thing keeping me from having perfect credit in general is my debt-to-credit ratio, which I'm slowly but surely paying down. I otherwise haven't missed a payment in over 7 years or opened new lines of credit in that time either (good longevity).

So why is there such a vast difference between my FICO and the other two? Everyone has the same correct information, so why the discrepancy? What can I do to bring the other two up other than continue paying down my debt?

Thanks!
Number of Comments
Please click Here to read the full story.
 
Other Top and Latest Questions:
Disney signals its next CEO will take over a company with strong momentum
Big moves in an AI data center power stock. What we want from Tuesday's earnings
Disney supercharged its parks. The booming division still has room to run
Nvidia shares are down after a report that its OpenAI investment stalled. Here's what's happening
Speaker Johnson: 'Confident' government shutdown will end by Tuesday
Strategy slides after bitcoin briefly dips below crypto firm's key breakeven level
How the EV pullback is affecting factories and jobs in the South
The risk-reward on this payments stock looks attractive. How to trade it using a risk reversal options trade
A surprising share of homeowners have high mortgage rates. Here's the breakdown
Eli Lilly blows past quarterly estimates, posts strong outlook as Zepbound and Mounjaro sales soar