“
This question is how these credit scores from the credit agencies compare with those from creditors. There needs to be a pieces of work done here.
Originally posted by Smellyonion
”
Ditto on this!
It works like caring about people's opinions. It's generally not a good idea to care about what people think of you
unless somebody is checking your references for a job offer
Different CRAs score you differently - even with the same information - because they assign different weights to the same information, pretty much like your job references do.
If the lender you want an account with checks, for example, TransUnion it is because they think (right or not, ligit or not) that TransUnion gives them a better picture of the kind of borrowers they want. And therefore you should care of what's on your TransUnion report as well, if you want that specific account.
If I know my credit file is bigger on one CRA, I'll apply to lenders that check that one primarily (or exclusively). In other words, you don't put your art teacher as a reference for a job that isn't creative. It just makes sense.