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Credit Card Applications » Questions » User Questions » Other » I have 2 different scores: 681 and 648. Why do they say my score is 648, instead of 681? Thank you.

I have 2 different scores: 681 and 648. Why do they say my score is 648, instead of 681? Thank you.

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Leo Zhu

There are three major credit bureaus – TransUnion, Experian and Equifax – and if you check your score with all three bureaus, the scores will differ. This is because every credit bureau has its own formula to determine credit scores, and banks, credit card issuers, and other creditors are not required to report credit information to all 3 bureaus. You need to know all 3 credit scores because you never know which of your three credit scores will be checked.

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