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Why is my credit score different at each of the “big three” credit bureaus?

Variation in Credit Scores

Each credit bureau (Equifax, Experian and TransUnion) keeps an independent credit file on you. This credit file is used to calculate your credit scores. Because of variations in the information on your credit files, your credit scores could vary depending on which credit bureau is used. Credit scores can also vary depending on the credit scoring formula used for the calculation. If you're wondering what your credit scores are at each of the credit bureaus, you can request a free credit report from each company at www.annualcreditreport.com. You are limited to one free credit report per company every 12 months.

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