credit scoring

[chameleon4242]

Hi all. I have a quick question I am hoping someone can throw some logic into. I monitor my credit and pulled all three reports with scores today. My Experian and Transunion and in the high 700's, however my Equifax is a full 104 points lower. There is no information on the Equifax report that differs from the others and less inquires. Anyone have any idea why or who I can contact to try to even them out? I called the Equifax customer service line and they said they can't access any of that info. That seems like a really big gap to me. Thanks in advance

 

[mightymoose]

It is a big gap- the only people that will be able to give you some insight will be the folks at Equifax.

 

[chameleon4242]

Already talked to them. They say they can't tell me why and I would have to pay a financial adviser to decode their system. Gotta love that even they don't know what the hell they're doing.

 

[mightymoose]

Just keep monitoring it. If there was any recent negative information that was removed it might just take a little time for the score to update.
I checked my own recently and found that TransUnion was significantly lower for some reason. The agencies give different weight to different activity, credit/debt ratio, etc... so the same info results in different scores.