Which credit bureau has the highest score? Lowest credit scores? Equifax? TransUnion? Experian?

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[@jopoulard]

Trans Union is the highest Experian is my lower Equifax is in the middle for me

[@funsizedi88]

Same here

[@jonesbunny]

Me too

[@AllAboutPurple]

I remember being hype about my score going up and then I watched another KZbinr talk about different scores. I really credit you and other KZbinrs for this knowledge. They really need to give options teens in high school or college freshmen a financial literacy elective with this valuable information!

[@tlemon305___]

My experian was once 20+ higher than the other 2

[@wakeup3456]

That’s how they discriminate against certain people

[@markbeiser]

If you blame "they" for all of your problems, you will never solve any of them.

[@emmapeel4299]

So glad you tackled this topic. Seriously depends on the day. Literally. I track on 6 free apps just for giggles + pulling my free monthly full credit bureaus. It’s interesting but very enlightening. I used to worry but now know it’s all about who reports when and did the CC company send more recent update. Awesome update!

[@truthserum1271]

I like Experian. I can't stand Transunion 🙄🙄🙄🥴🥴

[@johnnymckinney4905]

Me too

[@nanobot81]

Experian has a cool thing with boost. Where they take into account you rent phone and utility bills

[@esthersnell2357]

TransUnion is ALWAYS my lowest, and it never moves, up or down. Question,, do companies never report to TransUnion? Or maybe just me 😢😩

[@KIIILLA_C]

This came to my mind just the other day! Thank you for always setting yourself apart from the rest by bringing a nice variety of topics that are a lot of times looked passed. Thanks for sharing your knowledge and experience!

[@fogrunr5075]

I think in order to survive, TransUnion has to make sure they score the lowest so that the perception of them is being the strictest. Equifax survives by being the most lenient. Experian survives by holding the middle ground. It's classic retail marketing.

[@AllAboutPurple]

I think Experian is more generous with points and Transunion seems more realistic

[@victormtz16]

Your voice guiding us through the content is what brings me here 😅

[@riderreviews3737]

Showing your own credit score is the biggest flex out there

[@sam9242]

They are never the same. They can't agree on accounts, they never match on hard pulls, they miss new accounts, they can't even agree on longest account. One says 41 years, one has 40, and the last has 10 years. Add different formulas plus different data and it's a crap shoot.

[@bradhampton6457]

For me personally Experian is always the highest score. Equifax is usually in the middle. Transunion at the bottom.

[@perryfaagau3632]

Same here... Seems like TransUnion hates us all..lol

[@OTRMonk]

My Fico 8 Scores Equi 802, Trans 802, Expe 791 My Experian has always been my lowest score for the past two years. Maybe it has to do with living in the eastern time zone.

[@BigBadKahuna1]

My Experian is the lowest out all 3 bureau’s & I’m in Hawaii 🤷🏾‍♂️

[@OTRMonk]

@@BigBadKahuna1 all 3 recent hard inquiries were pulled from Experian only.

[@MrBuckaroo2014]

I'm in Maryland and my Experian score is consistently the highest.

[@shabatshalom693]

How do check those 3 biruae at the same time

[@stevenmiller7747]

My Experian score is always my lowest by about 20 points. My Transunion and Equifax are always about the same.

[@wnathalienivar1501]

Wow , for me Experian has the lowest score for me, and EQ has the highest score 🤦🏽‍♀️

[@bradhampton6457]

Wnathalie Nivar Mine is exact opposite.

[@switchb5913]

Me too I hate Experian. I even called them to dispute nonsense they have on my report that Equifax & TranU don't.

[@blkbeauti05]

EX is my lowest.

[@lareefeatherstone145]

Me too

[@danielshover]

Me too

[@anshuljain3760]

My scores are TransUnion 731, Equifax 726 but Mr. Experian is enjoying himself at 698 🤔. So weird .

[@kreteman7779]

Transunion has me at 751 Experian has me at 633? They show the same info too? Wtf

[@JesusGarcia-dn5ek]

It is the change.

[@michaelshay172]

for me experian score will jump up and down 10-20 points each update and equifax transunion scores have not changed all year

[@tlemon305___]

Same

[@bitcoinforbeginners6932]

After engaging with different people claiming to be credit score hackers but to no avail , Then I made my research about Credit repair where I came across Credit MasterFix LLC after a friend of mine said he had helped him with Capital one & American express credit card debts. I decided to contact him at ([e-mail]) and within 7 business days. All debts were cleared on my credit cards and my credit score increased to 757 which is a great one, I’m forever indebted to you Credit master-fix Let them know I did the referral.

[@Findingmyvoice120]

How do you get all 3 bureaus scores

[@1mattadams]

My Experian number is about 80 points lower consistently. But they have me lasted as having my debt 3x higher than it is. Why is that?

[@george4u1960]

My experience is 589 my friend Union is 680 my Equifax is 704. I'm not really that upset at this time because I had to file for chapter 7. And I was able to get for credit cards even though they have high interest. I don't spend no more than $20 on each card to keep my utilization high. So I'm doing pretty good to have file chapter 7. Because it's only been 6 months. I never was late on my payment on none of my cards. The problem I had was utilization was too high. And Bank of America was not willing to work with me. I will never have a Bank of America credit card again never. They only car that I regret having to turn into chapter 7 was discover.

[@guardiantech6610]

My experian is 734 equifax 770 and transunion 771 and I only have 2 credit card only one year and those are my Fico score 8 just be responsible.

[@markbeiser]

If all you have ever had is the 2 credit cards, diversifying into other types of credit accounts, and adding a few more cards, will help drive your score up further, just don't go wild with it all at once.

[@AppliedPressure493]

My Transunion is a 731; My Experian is a 719; My Equifax is 776. Thats crazy

[@guaparra2]

how can you check on a credit report without SSN but having an ITIN number instead?

[@DoorDashers791]

FICO score created greed for the lenders..43 years ago a fico score didn't exist..

[@clippdiaz7015]

My Equifax 753. Experian 732. Transunion 667.

[@marti8053]

Same for me! Transunion is like almost 100 points lower than my highest score.

[@onionhead4090]

So glad I saw this... TU is so tough to move up....

[@francineford-smith6264]

That is just so frustrating! ☹️ Equifax shows 798 Trans Union show 792 and Experian shows 766 however experiences I have six inquiries while the others only show two inquiries… How about one credit reporting agency and they just average my scores which would give me roughly 785 and I would be satisfied with that!😇

[@RFABProductions]

I find it dumb that I use credit karma and.i see my score high but when I go get a mortgage or car loan they pull my score for the one that's not on credit karma and the number they pull is significantly lower....... Like is credit karma no accurate?

[@letmebeautifyu_t6504]

CK uses a different scoring method (vantage point) if u want to see the scores that are pulled for car loans and mortgages use myFICO, it’s cost but the numbers are more accurate.

[@AllAboutPurple]

You’re not dumb. The credit karma score is not what most businesses use to check you score history....credit karma does not use the FICO score standard. Your FICO score is what is used by most businesses, and even that there are different types of FICO versions...as you can see in the video.

[@RFABProductions]

Ah okay thanks guys I'll look into myFICO since I'm a rookie real estate investor they be pulling my score and it's way off of what I thought it was lol but I'll check out myFICO hopefully it's much more accurate thanks guys

[@funsizedi88]

Download the experian app with credit karma so you can check all 3 for free to get a ballpark figure. Then make sure you are getting your free annual credit report from the government. Also, rn bcuz of COVID you can check your scores monthly.

[@marti8053]

@@funsizedi88 i saw that and so i looked into it. You can check your credit report but they are not providing you with your credit 'score'.

[@blkbeauti05]

TU 735, EX 654, EQ 728. I need that EX to get moving!

[@Bxr400]

Make sure they are reporting

[@kndvds1492]

Transunion 802, Exuifax 800, Experian 767 for me.

[@lawrencelawrence7638]

Equifax 601 Trans 601 Experian 640

[@alisayoung]

Keep going!!!! Keep at it

[@DS40764]

When I first started reading my credit accounts, Transunion was always the lowest, followed by Experian and then by Equifax. Now it's completely reversed ,with Transunion being the highest. I understand this ,in terms of reporting,etc. What I don't agree with is the fact that there are more than 3 because it just makes the system too complex, and unfair that way because they aren't always using the average score. Vantage scores seem to be lower,so so far I have counted 7 scores for me-what? But on average I'm just at the bottom of good range.

[@fogrunr5075]

That's the first time I've heard of anyone's VantageScore scores being lower than their FICO scores.

[@MrBuckaroo2014]

All true! I called the score rankings before I started the video. For me, highest to lowest: Experian, Equifax, Transunion.

[@jdeveraux1027]

lol i'm exactly the opposite. I think it depends on where you live. On the west coast, everyone seems to have a hard on for Experian.

[@bitcoinforbeginners6932]

After engaging with different people claiming to be credit score hackers but to no avail , Then I made my research about Credit repair where I came across Credit MasterFix LLC after a friend of mine said he had helped him with Capital one & American express credit card debts. I decided to contact him at ([e-mail]) and within 7 business days. All debts were cleared on my credit cards and my credit score increased to 757 which is a great one, I’m forever indebted to you Credit master-fix Let them know I did the referral.

[@keltig]

TransUnion usually higher for me while Experian is lower

[@BigBadKahuna1]

Mines too

[@sunkistlbc]

Transinion lowered my credit score by 26 point because my old student loans fell off my report. The fuck! This loan was paid off 13 years ago and now it haunts me after such a long time.

[@markbeiser]

It falling off your credit report likely lowered your average age of credit. Typically accounts closed in good standing still appear on your credit report for 10ish years, and are factored into your average age of credit. Most of the big dip you had should come back fairly quickly. Was it your Vantage or FICO score that dropped? My personal experience is that the Vantage score is more volatile than FICO from the same agency.

[@jonesbunny]

Nobody takes transunion serious 😒

[@OutsideTheGlobe]

I think they are a fraud. May be working with financial institutions to keep your score low so they can give you high interest when you borrow.

[@homiedonthateg]

I just noticed that credit seasme has a higher score for me for transunion then then credit karma has for credit karma one is 745 the other is 731

[@BrooklynCashmere]

My highest is Equifax because it has zero inquiries. But my Exp and TU are only 3 points difference. They both have 5 inquiries.

[@TheDivaIsIntheDetails]

Another great video. Your credit report's influence on each credit scoring bureau is as unique as each individual's DNA. Part and parcel to different issuers hitting bureaus differently and different lenders reporting payment history to 1, 2 or all 3 bureaus.

[@OutsideTheGlobe]

TransUnion is a fraud. My score fell for no reason. No hard check was made to my account and I paid my builds on time.

[@justinbergmans36]

Why did your score fall? Are you using your credit? Maybe your statement shows an increase balance, which can dip your score. In any case, it’ll rise again after you either show a small balance on a statement or pay down one.

[@OutsideTheGlobe]

@@justinbergmans36 My Equifax score went up but my TransUnion went down. I paid off the bill, no balance was carried forward. How could there be almost a 200 score difference?

[@jesusmunoz3532]

What software are you using to view all of this?

[@nymost]

What's the best site to get a free credit report and fico score for all 3 credit bureaus?

[@SweetestMapleMami]

Myfico Equifax is my lowest at 663 and Transunion is my highest at 700. I come to the realization that they don't like me and I will stay at 663 no matter what LOL. That score hasn't moved since June, even then only up 2 points or so.🤣

[@whaler4life507]

Testify! Equifax always want to Make stuff difficult . They are my lowest and TransUnion is the highest and Experian is in the middle 🤷🏽‍♂️

[@SweetestMapleMami]

@@whaler4life507 BIG FACTS! LOL Equifax actually just brought me down 6pts a few days ago, after I disputed a collection but Experian raised me 18pts after I disputed the collection LOL

[@tinataylor4203]

I’m stuck at 780 for two years

[@Davinia77]

There should be one credit bureau! It’s absolutely ridiculous

[@alexgordonepic]

no you dont want one company to have control of your score. think about it. checks and balances. what if one is racist or doesn't like your politics... china has a public score and they use it to punish folks who speak up against their regime

[@Zeppodone1000mg]

I’m seeing people saying the opposite of my situation my transunion score is 727 experian is 654 equifax is 674

[@XAVIER-on4yv]

Same with me , my experian is the lowest

[@jquilespr]

Same

[@alexginlu]

My transunion is 781 and my equifax is 700😂

[@blessedbeyond5628]

Experian is lowest all because an old collection just popped up. At first Experian was my highest and I was approved because most lenders want Experian. I hate collections they mess up all the hard work you put in

[@rosaislena8220]

Is it better to request the credit reports from all the three companies at the same time or would be better to request only one credit report every 4 months of a different company?

[@1229myjoy]

Right now equifax is the lowest .I’m trying to raise it. if I pay down 3k in debt it will increase. I want to pay 5k in debt but that won’t cause an increase. How can I get around this ?

[@jaycee5568]

Just wait until it falls off that’s the best option

[@Bxr400]

If ur 90 days late already and planning on NOT paying……. then just let it fall off. Look and see ur state limitations law. could be 4-5yrs or 7-10yrs. either way the banks are going to blackball u either way especially if ur loan was 5k cash. if u start paying or pay it off, the clock is going to restart on ur debt.

[@joshlovern756]

Always great and new content

[@wilford71ify]

Can you find out where chase and amex pull their reports from?

[@keltig]

Chase pulled Experian for me and Amex pulled TransUnion

[@lillians.4384]

keltig thank you!

[@qb6570]

Both pulled my Experian.

[@tlemon305___]

My experience AMEX pulled from Experian

[@reshadunchained5113]

Use of on-chain credit scores will let users provide their credit history without having to give up a ton of personal information to any agency.

[@jdeveraux1027]

wait..how you going to have credit scores in the 800s and then get DENIED for the Altitude Go? Something isn't adding up. Nice flex though Adam :-P

[@dperin00011]

My Experian FICO score is far more volatile to change than my Equifax and TransUnion. I have a feeling it has to do with my credit union loans and credit cards that don't show on my Experian profile. Idk. EX F8: 740ish EQ F8: 770ish TU F8: 770ish. 🤷🏻

[@justocho9090]

My Experian score tends to trail behind my trans and equi score by 25-35 points. So weird

[@bitcoinforbeginners6932]

After engaging with different people claiming to be credit score hackers but to no avail , Then I made my research about Credit repair where I came across Credit MasterFix LLC after a friend of mine said he had helped him with Capital one & American express credit card debts. I decided to contact him at ([e-mail]) and within 7 business days. All debts were cleared on my credit cards and my credit score increased to 757 which is a great one, I’m forever indebted to you Credit master-fix Let them know I did the referral.

[@georgeloveless4848]

My highest is equifax, then trans union, then last place is experian

[@francineford-smith6264]

Absolutely George the exact same with me.

[@SydneyScream]

yeah experian maybe has a closed account using your identity bringing your score down

[@J.v.o24]

800s across the board Damnn!!! mark my words I’ll be there one day bro !

[@puravida5683]

What a scam! And, we aren't even getting paid for our own credit score data beginning collected.

[@jerrycaughron7378]

On my Fico scores.. Trans 722, Experian 703 but Equifax 747(states ,other loans)????

[@ProudMoney]

Fairly big difference there.

[@shabatshalom693]

Do you know the link to check these 3 bureau at the same time please

[@henryxstopx6973]

What site are you using? I like this dashboard

[@jonesbunny]

Transunion!!! I'm first🙂

[@ProudMoney]

🍨

[@princesampl]

Thank you!!

[@iEpicus89]

Is there a way to boost the lowest to catch up to the other two? Experian is my lowest compared to the other two.

[@francineford-smith6264]

Hey Anthony, I’m right there with you Experian is the lowest for me as well. Equifax is the hi is for me.

[@josegallardo4156]

Weird my expiarían is 687 but my other two 567😠😠😠😠

[@Bxr400]

@@josegallardo4156 one or two of the banks are not reporting to the credit bureaus on ur accounts.

[@louiszall6917]

My transunion is 100pts lower then my equafax....

[@forgiauto1002]

Same like why

[@shaun2301-gr8bj]

My credit score in Equifax is 423, this is bs. I didn't even know i have a credit score and i applied for a loan without knowing that i have a credit score.

[@fearless2214]

Equifax is always the highest and Transunion is always the lowest.

[@milkthenmeat]

Untrue

[@fearless2214]

@@milkthenmeat for me yes

[@milkthenmeat]

@@fearless2214 Ok, got it.

[@user-no2zz5pu7j]

Experian is the lowest

[@homiedonthateg]

Yes it makes sense

[@blessedbeyond5628]

Equifax is my overall highest now. At first they was the lowest. Equifax has got me 3 approvals this week. so I'm happy 😊

[@titusnixon]

All this means is you're at the mercy at who pulls your credit score and which agency they use. It's all a crap shot. Why are there all these different agencies anyway. If they pull my Eqafix, I'm excellent. If they pull my Trans Union, I'm good. But with Experian, I'm fair

[@kathysetaro2704]

Nothing less than 0% (18 mos) on purchases and balance transfers

[@saun86]

This is so frustrating. All these score models and credit bureaus. Its really annoying. It all should be one score one model across the board!!!!

[@alexgordonepic]

no you dont. one company to have control of your score is too much power. think about it. checks and balances. what if one is racist or doesn't like your politics...

[@MoDavI-sl7iy]

Adam, you're a show off!😀😂. J/k

[@imissdetroit]

My Apple Card reports to Equifax.

[@alfredojean9518]

What is the website you’re using in the video?

[@ProudMoney]

myfico

[@raptorman1891]

But keep in mind, if you check your fico score, the first time will be free but then the subsequent times after it cost each time you check your score. And its not cheap

[@chentaihai]

Hey. Just wondering, which website/app did you use to show your credit scores from all three bureaus in your video? Thanks!

[@ProudMoney]

MyFICO

[@bellanewfie]

My fico is 819 but expirian is 779 wtf?

[@trippyzproductions1776]

I’m 21 I didn’t start my credit long ago but my experian is 732 and my transunion is 670

[@markbeiser]

My TransUnion is my lowest because it has 9 inquiries, vs. 2 each for the others. Still at 711 on it though.

[@trulyhari]

its mostly transunion or experian with higher scores.but equifax is always almost the lowest of all scores.be it vantage or fico, equifax is always the lowest score

[@marvinbristow1397]

He talk in circles. He doesnt tell us anything .he going back forth .

[@NotShowingOff]

He is telling you to be comfortable knowing nothing

[@tiarabrown638]

My equifax is always the highest

[@user-no2zz5pu7j]

Same. It’s. 758

[@closer71]

WRONG. They have been trying to wreck my life for over a year with their 120+ point difference from the other two. How can they be at 660 when the other two are at 770? It’s freaking asinine.

[@marvinbristow1397]

He not telling else anything

[@closer71]

Equifax is just shit. They kept me at 660 all year when I had a 761 at Experian and 723 at TransUnion. That lasted for 18-months. Total bullshit.

[@chicagosveryown7776]

Experian always has the lowest score for me.🤷🏾‍♂️🤦🏾‍♂️