Puddy Posted July 23, 2007 Share Posted July 23, 2007 What scores make up the tiers of Transunion, Equifax and Experian. I'm curious because I've gotten my free credit report from two of the three this year and the scores are different. Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 23, 2007 Share Posted July 23, 2007 What scores make up the tiers of Transunion, Equifax and Experian. I'm curious because I've gotten my free credit report from two of the three this year and the scores are different. I am confused by the question...what exactly are you asking? Quote Link to comment Share on other sites More sharing options...
Puddy Posted July 23, 2007 Author Share Posted July 23, 2007 I am confused by the question...what exactly are you asking? For example: Experian - 775-825 = excellent, 725-775 - very good or something similar. I'm not sure what terminology is even used. Or maybe a range = A+, A, A-.... Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 23, 2007 Share Posted July 23, 2007 For example: Experian - 775-825 = excellent, 725-775 - very good or something similar. I'm not sure what terminology is even used. Or maybe a range = A+, A, A-.... oh....gotcha.... be right back with those... Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 23, 2007 Share Posted July 23, 2007 I cannot seem to find the exact ranges they each use but basically a credit score of 750 or higher is the best...but anything over a 700 is very, very good... Quote Link to comment Share on other sites More sharing options...
Puddy Posted July 23, 2007 Author Share Posted July 23, 2007 I cannot seem to find the exact ranges they each use but basically a credit score of 750 or higher is the best...but anything over a 700 is very, very good... This is applicable to all three I'm assuming. Quote Link to comment Share on other sites More sharing options...
bushwacked Posted July 23, 2007 Share Posted July 23, 2007 This is applicable to all three I'm assuming. That was always my understanding, I'm just amazed how much the three scores can range. Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 23, 2007 Share Posted July 23, 2007 This is applicable to all three I'm assuming. yes, I know one of them is 300 - 850...the other two are between 300 something and 800 something...anything over 800 is rare...and there is no real difference between a 752 and a 829.... Quote Link to comment Share on other sites More sharing options...
Puddy Posted July 23, 2007 Author Share Posted July 23, 2007 anything over 800 is rare... Quote Link to comment Share on other sites More sharing options...
Hat Trick Posted July 23, 2007 Share Posted July 23, 2007 Were they far apart? I just got mine the other day and they were 705, 709 and 707. Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 23, 2007 Share Posted July 23, 2007 Thats superb... Quote Link to comment Share on other sites More sharing options...
Avernus Posted July 23, 2007 Share Posted July 23, 2007 calculating a credit score is like being a real estate appraiser...there isn't an exact number, it's just an estimate... I noticed that Equifax gets hit up the most....Experian is the least important of the 3....and Equifax is just there... at least from what I've checked the past few years... my scores are sometimes 30 points different... Quote Link to comment Share on other sites More sharing options...
Puddy Posted July 24, 2007 Author Share Posted July 24, 2007 Were they far apart? I just got mine the other day and they were 705, 709 and 707. I think Experian and Transunion were about 30 points apart. However, I did run them six months apart. Quote Link to comment Share on other sites More sharing options...
darin3 Posted July 24, 2007 Share Posted July 24, 2007 I think Experian and Transunion were about 30 points apart. However, I did run them six months apart. I think the bureaus treat certain components differently. For example, TransUnion weighs credit history more than Experian. Or Experian weighs open balances more than Equifax, etc. etc. etc......... Quote Link to comment Share on other sites More sharing options...
dmarc117 Posted July 24, 2007 Share Posted July 24, 2007 is it true that your credit score goes down the more times you request a score? Quote Link to comment Share on other sites More sharing options...
darin3 Posted July 24, 2007 Share Posted July 24, 2007 is it true that your credit score goes down the more times you request a score? Yes, when someone runs your credit (also called an "inquiry"), you get a ding (1-3 points, I think). Quote Link to comment Share on other sites More sharing options...
dmarc117 Posted July 24, 2007 Share Posted July 24, 2007 Yes, when someone runs your credit (also called an "inquiry"), you get a ding (1-3 points, I think). whats the rational behind that? Quote Link to comment Share on other sites More sharing options...
Puddy Posted July 24, 2007 Author Share Posted July 24, 2007 whats the rational behind that? I'm guessing if someone is constantly looking for credit, that's a red flag. Quote Link to comment Share on other sites More sharing options...
darin3 Posted July 24, 2007 Share Posted July 24, 2007 I'm guessing if someone is constantly looking for credit, that's a red flag. Right. Quote Link to comment Share on other sites More sharing options...
alexgaddis Posted July 24, 2007 Share Posted July 24, 2007 Yes, when someone runs your credit (also called an "inquiry"), you get a ding (1-3 points, I think). You are however allowed 4 pulls in a month from the same industry without losing points...they allow for "shopping" to some extent Quote Link to comment Share on other sites More sharing options...
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