Which credit score is more accurate experian or transunion

Although Experian is the largest credit bureau in the U.S., TransUnion and Equifax are widely considered to be just as accurate and important. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions.

Is Experian better than TransUnion?

TransUnion: The Bottom Line. While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. It also reveals your FICO Score 8—the score most lenders use—which can give you a better idea of what lenders see than the VantageScore that TransUnion provides.

Why is my Experian score higher than TransUnion?

That means one of your three credit reports will contain a record of a hard inquiry that does not appear on your other two reports. That can lead to a difference in your credit scores across credit bureaus. Another reason you may see discrepancies in your credit scores has to do with when they are produced.

Which is more important TransUnion Equifax or Experian?

It's important to know that while each credit agency, or bureau, creates its own proprietary report, no single agency is more important than another. You may already be familiar with the three big consumer credit bureaus — Equifax, Experian and TransUnion.

Why is my Experian score 100 points lower than TransUnion?

If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score discrepancies, like 100 points.