There are 3 major credit bureaus; Equifax, Experian, and TransUnion. Each credit bureau calculates your credit score from the information that is reported to that individual bureau. All 3 credit bureaus work independently from one another. If you have ever taken the time to look or compare you scores between all 3 credit bureaus, you may have noticed your scores are not the same. There is a reason for this.
Creditors and collection agencies may not report your accounts to all 3 credit bureaus. They may also update the information with the credit bureaus differently or at different times. This means your accounts may reflect differently with each credit bureau, resulting in the difference in scores.
It is normal and expected to have a different credit score with all 3 credit bureaus. Your scores will very likely to always be different as your credit reports are all different. You should use credit monitoring or request your free annual credit report from each credit bureau so you can stay up to date on the items reporting on your credit report.
If you do not know what your credit score is or what is reporting on each credit bureau, we can help.
A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link creditservicesofamerica.com to schedule your FREE consultation and create your personalize plan to achieve your credit and debt GOALS!
*Individual results may vary. Please call for more details and to discuss your own individual situation.