What if I check my credit score on the internet and I see that my score is 556 on Experian, 545 on Equifax, and 550 on Trans Union. I know each credit score is going to be different from the 3 bereau's. But I had consulted with a credit counselor and they pull my credit score with my permission, and my score they pulled from Equifax was a 490, Experian 496, and Trans Union 493. And all of the credit scores are from the same month. Is the credit score on the internet acurate. Who is right and who is wrong? Thank you for reading my e-mail
----------------------

Bo Majors
to REAL PERSON
show details
Dec 19 (3 days ago)
The score will almost always be different between different bureaus. So the 556, 545, 550 look normal as do the credit counselors numbers.
The question would be the difference between the counselor and the internet.
First there is little chance the numbers are different be cuase one was pulled by you and one by the counselor. Report score can change dailt even.
One would have to look closely at the reports themselves. I would guess that some very small change happened. You might have charged past 80% on a credit line. You might be one day late with a creditor. You might have had your credit checked several times and the inquiries did not show up for a few days. One of the account could have gone from late to collections, charge off or another level of late like 90 days rather than 60 or 30.

With a 545 or a 490 a person is is dire straights. The difference in thos scores will not help you miuch. You need to work hard, pay off debts, dispute files and create new good credit.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

Hope this helps