Is transunion or equifax more accurate. If you find incorrect information on your credit reports, check out these resources for. Is transunion or equifax more accurate

 
 If you find incorrect information on your credit reports, check out these resources forIs transunion or equifax more accurate Equifax Information Services LLC

Experian might offer more comprehensive identity theft protection services. There are many reasons why the numbers between Equifax and Transunion may differ so much. Do lenders use Experian or Equifax more? Lenders may purchase credit. Potential employers must get your written permission before accessing your credit reports. Learn More. Experian 76%. If you see something inaccurate or incomplete, contact your lender. Cost of the Report. It also provides links to downloadable forms. S. Braille, audio or large print formats can be requested by telephone at (877) 322-8228 or by mail. The credit scores and credit reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. Hard to explain, although TransUnion remembers some quite old accounts (10+ years) whereas Equifax doesn't. A “good” score may rest in the 661 – 720 range. com. 2 million in fines and restitution for deceiving customers. 000 in identity theft insurance. Having said that, your score is still extremely accurate even if TransUnion and Equifax’s numbers differ because. The bottom line on whether Credit Karma is accurate. TransUnion could focus more on educational resources for consumers looking to improve their credit scores. Equifax Equifax scores range from 280 to 850. Credit Score Range. Know your score. 0/4. Atlanta, GA 30374. Instead, it provides you with a TransUnion Vantage 3. Read on to find out what’s different between the two companies, how they get your credit score, and why you have more than one credit score to begin with. Equifax vs. The company does not reveal the exact scoring model it uses, but its. Main Credit Bureau Phone Numbers. com . The three major credit bureaus, Equifax, Experian and TransUnion, all use scoring models to generate a credit score. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. 95/month for one adult. Below are three VantageScore 3. You can get free Equifax credit reports at annualcreditreport. If a borrower your income and your Credit Karma is the my credit score, TransUnion number. Many credit card companies, banks and loan companies have started providing credit scores for their customers. Believe me, Equifax and TransUnion are the last two you don't want to mess with unless you are loaded with cash. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. Understanding credit score ranges. Dispute directly with the company that reported the information to TransUnion. This model was released in 2013 and offers greater consistency to fit today’s fast-paced society. Equifax offers a variety of credit monitoring services priced from $4. Soft inquiries typically are not visible to lenders on your credit report. You should file a credit dispute if you see. That said, both TransUnion and Equifax have their own. There are a number of reasons for this. It may be on your statement, or you can access it online by logging into your account. Your credit score is a three-digit number meant to reflect the risk you could pose to a lender when you borrow money. Which is more accurate TransUnion or Experian? TransUnion: The Bottom Line. Equifax credit reports are generally regarded as being very accurate. When you apply for things like a new credit card, a mortgage or an apartment, the companies. S. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. Here’s the reason: “The scores and credit report information on Credit Karma comes from TransUnion and Equifax, two of the three major credit bureaus. As credit reporting agencies, they are governed by the Fair Credit Reporting Act (FCRA), a piece of legislation that governs credit bureaus, tenant screening services, and other consumer reporting agencies. While all three are significant, Equifax and TransUnion are often highlighted as the 2 major credit bureaus due to the frequency with which consumers compare their scores from these two. Learn more about the factors that affect your FICO score and how to get it for free. Credit Karma reports a 706, while Discover reports a 731, should I consider the one on my bill more accurate? Anyway, on to the real question, I. Alerts to key credit report changes to help spot potential identity theft. TransUnion is bringing up the rear among the three. When it comes to the TransUnion vs. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. Year-over-year quarterly sales growth most recently was 3. Some lenders don’t report a consumer’s activity to any. Understanding these distinctions can help individuals make informed decisions. Some people want to achieve a score of 850, the highest credit score possible. The monthly fee for this service is $9. See moreTransUnion and Equifax are two of the three major credit bureaus that generate credit reports and scores for lenders. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. TransUnion gathers information on over 1 billion consumers in over 30 countries across the globe. FICO ® Score 4 is the version of the classic FICO ® Score offered by TransUnion. Their breakdown of credit factors is: Payment history (40%) Credit utilization (20%) Credit. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Its scores are used by more than 2,600 financial institutions and 9 of the 10 largest banks. Equifax has since come under scrutiny for violating the FCRA. However. Lenders and creditors report information on a periodic basis; therefore, the balances shown on your Equifax credit report may not reflect your most recent activity. Say you have a loan from a lender that only reports to TransUnion. 164 (including taxes/handling charges). Despite being commonly used to report Canadians' credit scores, TransUnion comes up. In the FICO vs Vantage comparison chart above, you can see that Vantage in the blue line reacts much more extremely to credit report changes than the FICO credit score, represented by the orange. It should really a be a right to have free credit score access all year around (not just once a year for all 3) Considering Transunion and Equifax are extremely wealthy, they should be providing their scores for free like Experian. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. The Fair Credit Reporting Act limits who can access your credit report and for what purpose. Here is the main phone number for each of the three major credit bureaus. Some people want to achieve a score of 850, the highest credit score possible. Equifax is one of the three biggest, respected, and well recognized American credit agencies. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. TransUnion’s emphasis on current information allows for a more up-to-date snapshot of a person’s credit standing, and includes newer credit data and alternative data sources like. The nation’s consumer watchdog agency on Tuesday ordered the credit-reporting agencies TransUnion and Equifax to pay more than $23. You’ll have to purchase your credit score separately. com. GXSINGH Full Member. We encourage you to call the VA at (877)-881-7618 if you have outstanding medical debt that you think is the responsibility of the VA, and the staff will work with you to find a resolution. The higher the number, the. 95/month for two adults. Protect your credit. ”. Three things to know about credit report disputes. Experian. A credit report dispute is when you ask Equifax to investigate information on your credit report that seems inaccurate or incorrect to you. The more you know about how credit works in general, and the more familiar you become with your own situation, the more informed you will likely be. Speaking from a man who has just been through the whole mortgage paradox. Industry-specific FICO® scores — including FICO® Auto Score 8 and FICO® Bankcard Score 8 — have a broader range of 250 to 900. Learn more from the Consumer Financial Protection Bureau (CFPB) about. 1 You can also receive free Equifax credit reports with a myEquifax account. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. Currently, no one credit bureau is considered to be more accurate than the other. Annual 3-Bureau credit report and VantageScore credit scores. S. This is similar to Equifax, and you will get detailed information on your credit report and score. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. Some lenders only report to one credit bureau, while other lenders report to. Your Equifax credit score is likely lower due to reporting differences. Credit Karma works with Equifax and TransUnion, two of the three major consumer credit bureaus, to give you access to your free credit scores and free credit reports. Equifax comparison, both rely on some of the same. A charge-off on a credit report is a negative item that appears on an account when a creditor writes off an unpaid debt as a loss. Credit bureaus must remove your name from marketing lists if you ask. ” Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. The three main credit reporting agencies in the U. FICO ® Score 4 (TransUnion) As you can see, each of the three main credit bureaus (Equifax, Experian and TransUnion) use a slightly different version of the industry-specific FICO Score. Free trial includes all features;. Review your credit reports. Check your credit scores and reports from each bureau annually to ensure all the information is accurate. 2 scoring model development companies: FICO, Vantage. You can also register for Equifax Core Credit for one free monthly credit check. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. The Federal Trade Commission and the Consumer Financial Protection Bureau (CFPB) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of $15 million to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction. Is TransUnion more important than Equifax?. 118 and 1 credit report with credit score costs Rs. ”. In the past, I have seen the same thing happen, but the month after TransUnion was back at the level it was. Equifax: 280–850. The website was created in a joint venture between Experian, TransUnion and Equifax following the passage of the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit. Which one is more accurate TransUnion or Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. While there’s no exact answer to which credit score matters most, lenders have a clear favorite: FICO® Scores are used in over 90% of lending decisions. 0. To register for TransUnion Credit Score: From the app’s Home screen, tap My updates. 0 score is the same type of credit score provided by. Experian, Equifax, and TransUnion each offer credit monitoring services. Only Credit Report costs Rs. That is your actual fico score. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . Equifax Inc currently has a 1. Which credit score is most accurate? Although Experian is the largest credit bureau in the U. Each model company has several models: More than 9 for FICO, 4 I believe for Vantage. Good credit: 700-749. With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates. In reality, both scores are equally accurate as they have their own scoring system. Available for free with monthly updates on Paisabazaar. FACTA was passed in 2003 as an amendment to the Fair Credit Reporting Act. This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Score: 4. The truth is no credit score from any one of the credit bureaus is more valuable or more accurate. It should really a be a right to have free credit score access all year around (not just once a year for all 3) Considering Transunion and Equifax are extremely wealthy, they should be providing their scores for free like Experian. Which Credit Report is More Accurate, TransUnion or Equifax? First and foremost, it’s crucial to note that credit ratings are calculated using a variety of scoring methods, all of which by their very nature are subjective. G. Credit Karma is perfectly accurate to check your account for. There are four main ways to get your credit score: Check your credit or loan statements. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. When you apply for a loan, request an increase on your credit limit or even apply for a new job, your credit report will likely come into play. The CFPB has taken action against TransUnion four times in the last seven years. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. Talk to a credit or housing counselor. Hot Tip: You must request the free reports within 60 days from the date of the suspected wrongful action. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. You have the right to get a free copy of your credit report every year from the three nationwide credit bureaus: TransUnion, Equifax, and Experian. Based in Atlanta, Georgia, and founded all way back in 1899, Equifax collects and reports information on more than 800 million people, and nearly 90 million businesses around the world. Keeping in mind the reasons above, double-check you TransUnion and Equifax credit reports to make sure there isn’t any incorrect information. in 2022 reports, financial protection bureau fired at equifax, experian, and transunion brutally failed to adequately respond to consumers with evers and that. 2 million in fines and restitution for deceiving consumers about the. Here’s how the score ranges are broken down: 800-850 – Excellent. It offers a quick glance at your credit health and history of paying back your debts. Free weekly online credit reports are available from Equifax, Experian and TransUnion. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. A score of 690 to 719 is considered good credit. My equifax score increased to 759. Alerts when key changes are detected in credit report. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. By law, consumers can submit complaints about incomplete or inaccurate credit reports to the CFPB. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3. The big three consumer credit bureaus — Equifax, Experian, and TransUnion — create consumer credit reports that companies can use to assess the creditworthiness of individuals. The accuracy of the scores depends on the accuracy of the information provided to them by. You can access your credit score from online credit score agencies. TransUnion provides the VantageScore 3. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. S. Although your scores in the two credit scoring models should be similar, it makes sense to check the score lenders are more likely to use. Equifax, on the other hand, charges 9. 0 is between 720 and 780. There has been nothing new on my Equifax credit report. Checking your credit score is considered to be a “soft inquiry. 0 and VantageScore 4. But in reality, nearly 50 companies appear on the Consumer Financial Protection Bureau’s list of consumer reporting companies. ”Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. Equifax confirmed the blunder on Tuesday, saying in a statement that the errors were caused by a computer coding issue that has since been corrected. Is 660 a good credit score? 70% of U. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. 0. There are many reasons why the numbers between Equifax and Transunion may differ so much. 0 scores from TransUnion and Equifax. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. Get notified when there are important changes to your credit reports. $29. Is TransUnion or Equifax more accurate? Neither TransUnion or. The Bottom Line. Is TransUnion or Equifax More Accurate? Both Equifax and TransUnion are well-established, reputable credit bureaus that provide accurate and reliable information to lenders and consumers alike. — I'd like to have $25,000 in available credit around this time next year. P. 0% dividend yield. In both cases, higher. What's more, your score of 650 is very close to the Good credit score range of 670-739. Credit Karma is perfectly accurate to check your account for. However, VantageScore 3. This model scoring scale starts at 300 (the lowest) and caps at 850. It also gives you a credit rating between poor and excellent. 8 billion with a -6. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. Their behavior is governed by the FCRA. Your TransUnion VantageScore is, in fact, accurate — based on the VantageScore model. This trio dominates the market for collecting information about consumers in the credit markets. 95 per month. Equifax is a credit bureau that collects information about an individual’s credit history to create a credit report. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. Review your credit reports. Learn how credit bureaus collect and use your information to create credit. This free service was first introduced at the o. The service updates every 7 days, providing regular insights into credit standing. While it's a product from one of the three main credit agencies in the U. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. Blog. One other thing to note is that the length of your credit history used by the 2 credit. 95, giving you continuous access to your Equifax credit score. Therefore, there are other reasons why the numbers. This is by far the most comprehensive database of consumer financial insights available in the market. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. What is difference between TransUnion and Equifax? TransUnion uses most of the same personal information that Equifax does in scoring your credit ; however, TransUnion may find certain aspects of your credit history more important than Equifax does. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. On its face, a credit score is merely a numerical representation of the data in your credit reports held by the three major credit bureaus, TransUnion, Experian, and Equifax. 0, which is used. According to the agency, it received more than 700,000 such complaints regarding Equifax. Depth of credit: 21%. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair” across the board. The Transunion customer service representative I dealt with was helpful and curtious. Image: Credit-Building-1. TransUnion’s trailing 12-month revenue is $3. To access these free reports, go to this site. Here are a few ways: Check your credit card, financial institution or loan statement. 95 per month. Based in. 472. Free Credit Reports. They’re just calculated from slightly differing sources. a Good credit score under the VantageScore model (typically used by TransUnion and Equifax) falls between 700 and 749. The most accurate credit scores are the latest versions of the FICO. Is Equifax more important than TransUnion? Is TransUnion more important than Equifax? The short answer is no. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. — In my efforts to build credit. Ongoing credit monitoring; Full credit reports; Educational tools;. 0 scoring model. Box 740241. It's also the least friendly to those just starting out building credit. 5/5: Report Details and Frequency: 3. 95 monthly fee credit monitoring service paywall. Equifax. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. TransUnion just dropped 20ish points while Equifax got 3 points higher. Equifax allows you to request your free credit report by phone. Learn more about Identity Theft. Next is how to file a dispute with Equifax. One of the most evident differences between these two bureaus is that. Again, you have alternative options where you can check your credit score for free, like Credit Karma. Which is more accurate Experian or Equifax? 2 Experian has a slight edge over Equifax because it tends to track recent credit searches more thoroughly. The FCRA gives individuals the right to see their own credit report. More Details > More Details > OVERALL RATINGS Equifax TransUnion; Plans and Pricing: 4. 1. TransUnion also has a premium product, called TransUnion Credit Monitoring, that allows you to lock your credit reports with both TransUnion and Equifax — but it costs $29. I would recommend downloading MyFICO. Very good: 740 to 799. It was developed by the three major consumer credit bureaus — Equifax, Experian and TransUnion — to create a “more predictive scoring model that is easy to understand. As well as the credit score and rating, Equifax also produces a credit. “Founded by Experian, Equifax, and TransUnion in 2006, our mission is to use data analytics to drive innovation and inclusion—giving consumers more credit access, and helping lenders make. For example, lenders can choose to report to one, two or all three. So, your Experian score might differ from your Equifax or TransUnion score. TransUnion agreed to pay $11 million to consumers and a $4 million penalty as well as to make sure it properly reports eviction data. Online reports are compatible with screen readers. Equifax vs. See your TransUnion® and Equifax® credit reports anytime. Your good credit will be. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. If the scores vary based on the same scoring model, then Credit Report information could be different at each of the 3 bureaus. TransUnion: Is One More Accurate? The short answer is no; a credit bureau’s credit score is valuable and as accurate as another. This score also ranges from 300 up to 850. The Big Three credit agencies—Equifax, TransUnion,. Based on our analysis, Experian provides the best service for the money. Generally, both bureaus use the 300 – 900 score range for evaluation. Advanced and Premier services the most accurate for credit score updates. That being said, mistakes can happen. 95/month for two adults. Capital one recently increased my credit limit from 1000 to 1500 without my permission. You’ll notice that VantageScore and FICO have similar scoring models but weight the scoring factors differently: Payment history: 40%. TransUnion also offers general consumer assistance by phone at 833-395-6938. TransUnion will put more weight on your employment history. 5 million fine from the Federal Trade Commission in 2000. Last edited: Sep 27, 2017. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. that means potentially, 40 million customers have errors on their credit reports. To get a complete view of your credit report, you need to check all three credit reports offered by the major credit bureaus. TransUnion will put more weight on your employment history. No credit score is more accurate than another, but lenders may prefer one over another. Equifax provides you with an overall credit score, expressed as a number between 0-1000. This guide is designed to help you learn more about Equifax, one of the “big 3” credit bureaus in the United States. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . For TransUnion, you have to use 3rd party apps. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your Equifax score. Checking your credit score is an important step in ensuring your personal information is correct and complete. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. TransUnion is bringing up the rear among the three. Allen, TX 75013. regulator on Tuesday ordered credit reporting agencies TransUnion <TRU. It all started in 2006, when the three major consumer credit reporting bureaus — Experian, TransUnion and Equifax — teamed up to create the first iteration of the VantageScore® credit scoring model. However, some consumers may perceive one bureau to be more accurate than the other based on their personal experiences or data discrepancies. In fact, AnnualCreditReport. Tap Register to review and accept the Terms and Conditions and view you score. 6 million lawsuit stemming from uncorrected errors on an. Based on our analysis, Experian provides the best service for the money. Unlike with FICO where a good credit score is 670, VantageScore requires between 720 and 780. Equifax and TransUnion are two of the most popular credit bureaus in Canada, and more and more people are seeking out their services as they go to apply for mortgages, loans, condo rentals, and. There are many different credit scores, and each may be calculated. Is TransUnion more accurate than Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. For a fraud alert, you only need to contact one bureau and that bureau will notify the other two. Tap TransUnion Credit Score. Those reports are a key part of your credit score, and it's what banks and creditors pull when you apply for a credit card, loan or other lines of credit. Free weekly online credit reports are available from Equifax, Experian and TransUnion. Which credit report is most accurate? The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. S. Is TransUnion or Equifax More Accurate? Both Equifax and TransUnion are well-established, reputable credit bureaus that provide accurate and reliable information to lenders and consumers alike. Some people want to achieve a score of 850, the highest credit score possible. While Experian is the largest bureau in the U. The program also gives you access to your TransUnion® credit report, free monitoring alerts and up to $25,000 in identity theft insurance. $19. A score in the 700s and above is generally considered good, while a score below 600 is considered poor. The credit bureaus manage records on your accounts, balances and the payments you make. 34 comments. TransUnion Canada. So it is not so much that Credit Karma. 95 per month to $19. — Transunion: 655 [ creditkarma. com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports. And scores of 629 or below are bad credit. The company uses several different formulas to calculate credit scores—including VantageScore 3. However, there are a few issues with this. I will update these charts on a monthly basis and make notes of any. Your TransUnion credit report might contain information that your. Equifax is the largest credit bureau in the U. The 3 major credit reporting agencies. S. Since the number of hard inquiries is a factor in calculating your Credit Score, this could. . Here are the easy steps: Login to your RBC Online banking. So is Credit Karma going to give you an accurate credit score? They should be pretty close. The company uses several different formulas to calculate credit scores—including VantageScore 3. The idea that checking your credit score will have a negative impact is a common myth. Equifax, TransUnion, and Experian are the three primary credit reporting companies. Equifax is one of the two main Canadian credit bureaus, along with TransUnion. FICO ® Scores are used by 90% of top lenders, so a FICO ® Score is a pretty accurate reflection of your creditworthiness as a lender might see it. , TransUnion and Equifax are widely considered to be just as accurate and important. Currently, TransUnion does not have a price-earnings ratio. Which is more accurate Experian or Equifax?As you'll see in more detail below, a score of 700 on the FICO ® scoring range, which spans 300 to 850, indicates "good credit" and would likely make you eligible for a variety of loan offers. Blueprint is an. Is CreditWise Accurate? CreditWise uses TransUnion’s VantageScore 3. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. Equifax. 0. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. If you'd rather talk to a. So, that's at. com and TransUnion are accessible to the vision impaired. consumers' FICO ® Scores are higher than 650. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. TransUnion 30%.