Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a fair score from TransUnion is typically fair across the board.
Is Equifax more important than TransUnion?
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.
Which credit bureau is the most accurate?
Equifax credit scores and FICO scores can be calculated using information in your credit reports at any of the three nationwide credit bureaus -- Equifax, Experian and TransUnion.
Does FICO use TransUnion or Equifax?
The main reason why credit scores can vary is because they use different scoring models. A FICO® Score is calculated using a different formula than a VantageScore. And while most credit scores use a scale of 300 to 850, that isn't always the case.