- Centurion Member
- Posts: 532
- Joined: Thu Jan 17, 2013 7:20 pm
- Location: United States
They vary for a number of reasons. First, the information in them may not all be completely the same. Not all lenders report to every single credit agency. And few lenders do hard inquiries against all three agencies at once, which is another opportunity for divergence. One or all of the agencies may have inaccurate data in your file which you can review and ask to have changed.
Finally, all of them us different proprietary methods to come up with a credit score somewhat in line with what FICO offers based on the same information...and even those formulas have different versions and methods based upon different criteria. For example, even though Transunion sponsored Credit Karma, the score posted there probably isn't the same score as what you would get if you bought a score subscription service from them.
What you should try to do is play the long game. Pay your bills on time. Make sure the data is correct. Don't apply for credit too many times and lower your score that way (stop snickering people). And the scores should equalize in time. But they will always be different.
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