Credit Fico beacon score is different at all three bureaus. WHY?

My credit score on TransU is 782, Experian 840, but on Equafax it's only 672. Why so much difference and how can I raise the Equifax FICO score?
\-------------------
I would have to see the reports

I would assume the Equifax has somthing on it the others do not
proabably a brand new account, an overutilized credit card or a collection. Do you see in diferences in the reports?
or did you get a 3 in 1 report. it is best to have a report from each bureau then check each for differences when you have report that shows a much different score. the 782 and 840 are close but different enough to want to know.....100 points is a drastic difference though huh?

Just wanted to thank you for the free credit help

I belong to a program called, TrueCredit and they monitor my credit reports each month and also I can pull free reports and credit scores there at will. I recently had a derogatory thing drop off my reports so I decided to pull my new scores. Last year at this time my scores were:537 Transunion599 Experian615 Equifax On July 9 I "re-ran" my updated credit scores to see if there was any change and there was. On that day they were:658 Transunion632 Experian 610 Equifax I was SOOOOOOOO excited to see that my scores were going up. However, on July 9th I also entered some disputes (there was one derogatory that was over 7 years old and I asked that it be removed.) So I decided to refresh my scores one more time on July 11. When I did, I was shocked to see that Experian and Equifax has LOWERED MY SCORES by more than 40 points each, even though there has been no change to my credit reports in the two days between the July 9th score update and when I pulled them July 11. Here was the result on July 11:658 Transunion (NO change here!) 596 Experian 573 Equifax The last two are significantly lower than my credit scores have ever been in my lifetime. Since nothing derogatory was added to my credit report in that two day window, what do you think happened and how can I get this fixed?
--------------------------------------
true credit should give you that answer
makes no sense to me at all should be higher the only reason it shold be lower would be if you charged up a credit card or something
to more than 80% balance to high credit ratio
----------------------
Get a free credit report --- Credit Cards ---Personal Loans ---Get legal credit repair---Debt Consultaion ---LifeLock ---

Transunion score is high. Experian Equifax Low. Some accounts not on all bureaus.

TransUnion has 2 of my positive accounts listed -- a home and a credit card. The others do not have those listed. Instead they have 2 collection accounts (less than $100 total) that are not on the TU report. The info is so different that my TransUnion score is 721, and the other two are only 595!
But in terms of the mortgage not being on there, that's bad, right? I mean, I was just denied a $10,000 loan. I was told that they will not grant a loan unless your score is above a 600. Surely an always on time mortage account would bring my score up to at least that much! So now, I am being denied credit not just because of what's on my report, but what's not my report. What gives?!
So my question is this: Is there any way that I can notify Experian and Equifax of my mortgage and new credit card?
-----------------------
Each creditor chooses or works with one or more bureaus.
your mortgage company uses only one i guess
and your collection reported to others
I would dispute and negotiate the collections
and get new good credit that reports to all three bureaus.
The total visa reports to all three and will help your score.
takes one year of acticity to be a rated credit line.
you might contact the mortgage comepany and ask them to report to the other bureaus.
IT would bring your score UP
and I would validate all collection debt
----------------------
That was fast!
Thanks for your advice!
I've already called my mortgage lender!

I am working on cleaning my credit and my credit report. I have signed up for TU truecredit and check my scores daily as well as checking my accounts.
They sure don't make things easy for you but... my question is this.

I got my score from Experian today at the same time I got my score for Experian from TrueCredit. They were not even close.

Equifax directly said my score was 582 and TrueCredit said my score was 601 for Equifax. Why the discrepency? How do you ever know what scores are correct or when they were last updated if there is such a distinct difference between the two?

Is there an easy way to get the report a mortgage lender would see or can you only obtain one through a mortgage company?

I would like to get my score up high enough to qualify for a decent mortgage this time next year. Almost all my old accounts have been paid or deleted and I've had one late payment out of 15 accounts in the last two years. My biggest drawback as far as I know now is percentage of available credit and no mortgage or "other" revolving accounts other then credit cards.

Thank you in advance for your answer.
------------------------------------------
majors@oskie.com / to need credit fix / show details / Jun 22

20 points might be explained if there was a time difference in the pulling of the different reports.
If not maybe one reports lists something theother doesnt by accident
BUT
The score should be the same even though I would call 19 points as being almost of no meaning.
The score you want is 640+ to qualify for decent rates and 720+ for perfect rates.

Dispute stuff.Keep stuff open and good.Negotiate stuff.
In less than 2 years your score will be 720's

1) According to privacy matters my Equifax score (which is my middle score) is 568. I also have Scorewatch with Equifax which says my score is 481. Which is accurate? Why the huge discrepancy?
2) This is what I have done thus far:
1) I have set up my bills to pay automatically. Especially my credit cards, so that I can get my balances down and pay on time.
2)I have disputed a couple of items that are not mine. They have zero balances but have several 30-60 past
dues on them.
2) I have disputed some past due 30 days that are incorrect. A couple show 2 months that are late when actually it was just one.
3) For the months that actually were late, I have sent out goodwill letters explaining why I was late and asking them to remove the lates.
4) One account is listed as a charge off but was paid in full. I have disputed that.

Basically I think that is it. I would like to get a mortgage loan around September. Do you think these things will improve my score enough to do that. It is hard to be patient. This is almost obsessive. What would you guess my score increase will be if all these things turn out well.
Live Human Being
---------------------
Bo Majors / to Live Human / show details / May 5
Sounds good to me
Make sure you have 3 open and 1 yr old lines of open credit that is reported on your bureau
-----------------------
"Need credit fixed" / to me / show details / May 5
thanks, but do you know about the 2 different equifax scores? Which is more accurate and why the big difference?
Live Human
---------------------
Bo Majors / to live Human / show details / May 5
If the scores are from the same bureau. the score should be the same if pulled the same day.