For the most current balance, contact your lender or creditor directly. Credit Karma is perfectly accurate to check your account for. However. Protect your credit. 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. You can get free Equifax credit reports at annualcreditreport. S. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. Whichever credit agency from which your lender chooses to source information will be the accurate choice for that particular lender. TransUnion is bringing up the rear among the three. Why is my Equifax 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and. The three major credit bureaus, Equifax, Experian. The law sought to better protect consumers from fraud and identity theft and to ensure accurate credit reporting. Score: 4. This score also ranges from 300 up to 850. Equifax Inc currently has a 1. Similarly, a good credit score under the FICO Score model falls between 670 and 739. 0, which is used. TransUnion gathers information on over 1 billion consumers in over 30 countries across the globe. 95/month for one adult. G. Good Credit. Third, you'll get the results of the dispute. Experian, Equifax, and TransUnion each offer credit monitoring services. Equifax vs. According to its website, nine of the 10 largest banks, 29 of the 100 largest credit unions and more than 2,200 financial institutions used VantageScore credit scores in one or more lines of business. Your TransUnion VantageScore is, in fact, accurate — based on the VantageScore model. Learn how credit bureaus collect and use your information to create credit. Equifax, TransUnion, and Experian are the three primary credit reporting companies. Although Experian is the largest credit bureau in the U. 2 million in fines and restitution for deceiving consumers about the. You always want to make sure the information in each file is fully accurate, regardless of scoring model used. creating more personalized recommendations and savings. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. But equifax and transunion also give Fico scores, you just won't get the from credit karma. For example, your credit card utilization rate is considered a high-impact factor in both. Equifax is one of the three biggest, respected, and well recognized American credit agencies. While that can help you narrow down. Last edited: Sep 27, 2017. Equifax credit reports are generally regarded as being very accurate. For example, one bureau may have 6 hard inquiries on its credit report, another may have 2, and the last bureau may have 4. 1-Bureau credit report and VantageScore credit score. Determining your score is more complicated than just weighing the different aspects of your credit. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. 0, which is used. Equifax: Which Is More Accurate? Which Credit Score. They’re just calculated from slightly differing sources. consumers' FICO ® Scores are higher than 660. While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. Equifax operates an 81-month credit history while TransUnion checks your data to as far back as over 24 months. That applied to both individuals and family plans. com. The following statement may be attributed to Stuart Pratt, President and CEO of the Consumer Data Industry Association, the trade association which represents Equifax, Experian, and TransUnion, in response to the credit reporting announcement made today by state attorneys general: “In March, the three nationwide credit reporting agencies. 95/month for two adults. There isn’t one “more accurate” report. Credit bureaus are different from credit-scoring companies, such as VantageScore® and FICO®. Which Credit Bureau Is Most Accurate? In the U. Creditors don’t have to report to any of the credit bureaus, and they certainly aren’t required to report to all of them. Fair credit: 650-699. Neither score is more or less accurate than the other; they’re only being calculated from slightly differing sources. 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. 2 million in fines and restitution for deceiving customers. 800-685-1111. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. If you have had missed payments on this loan, then you will find your TransUnion score is a lot lower than your Experian or Equifax score. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. Is Equifax more important than TransUnion? Is TransUnion more important than. com. , TransUnion and Equifax are widely considered to be just as accurate and important. The monthly fee for this service is $9. complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service. Which credit score is more accurate Experian or TransUnion? Experian's free credit score is the FICO Score 8, the score most lenders use. One issue is that most lenders utilize the FICO model and Credit Karma uses the VantageScore Model which means that the scoring system is different from most lenders. The nation’s three largest credit bureaus—Equifax, Experian, and TransUnion— said this week that they would make permanent consumers’ access to free, weekly credit reports via. For example, lenders can choose to report to one, two or all three. The VantageScore and FICO models differ in several ways, but that doesn’t mean one is better or more accurate than the other. The TransUnion Auto Score, an industry-specific risk score, offers more accurate predictions on non-prime and sub-prime applicants. Most people identify Equifax as a consumer credit bureau but are less familiar with our marketing services capabilities. Simply put, there is no “more accurate” score when it comes down to receiving your score from the major credit bureaus. Dispute directly with the company that reported the information to TransUnion. Score ranges break down as follows: Excellent credit: 750+. VantageScore was created in partnership among all three credit bureaus — Experian, Equifax, and TransUnion. Year-over-year quarterly sales growth most recently was 3. Although Experian is the largest credit bureau in the U. Internet scanning to detect use of. The information you see on Credit Karma should match what Equifax and TransUnion show. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Here are the services that TransUnion. TransUnion also offers general consumer assistance by phone at 833-395-6938. 3%. A U. Just look for "Equifax Credit Report" on your myEquifax dashboard. 0 and VantageScore 4. Make a postal request with TransUnion. The CFPB has taken action against TransUnion four times in the last seven years. 0; Features. consumers' FICO ® Scores are higher than 650. A credit reporting agency collects information about consumers’ credit and financial history. 36. By comparing the different reports from each agency, you can make a more informed decision. This score also ranges from 300 up to 850. The three credit agencies collect and house the information that helps potential lenders or employers rate your reliability. The most accurate credit scores are the latest versions of the FICO. For a fraud alert, you only need to contact one bureau and that bureau will notify the other two. 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. There are three credit agencies: TransUnion, Equifax, and Experian. The Experian App is very accurate, at least for seeing what your true score is for most lending decisions. Equifax, TransUnion, Experian: Aura Couple: 4. Skip Navigation. Equifax. Transunion vs Equifax: Which is More Accurate? When comparing the accuracy of credit bureaus, neither one is more accurate than the other. Credit karma gives vantage scores, not Fico, which is why you don't need to pay much attention to the actual score. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. Your lenders may have provided less information to one bureau and more data to another. The three Nationwide Credit Reporting Agencies (NCRAs) – TransUnion (NYSE:TRU), Equifax® (NYSE:EFX), and Experian (LON:EXPN) – are reinforcing their commitment to the financial health of U. TransUnion’s trailing 12-month revenue is $3. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. For your convenience we have provided their addresses and telephone numbers below. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. Learn more from the Consumer Financial Protection Bureau (CFPB) about. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. This is by far the most comprehensive database of consumer financial insights available in the market. Key Takeaways. Information in each bureau’s. This works in a similar way to the arrangements TransUnion. Equifax credit freeze: You can easily freeze your credit with Equifax on its website, or via an automated phone line: 800-685-1111 (800-349-9960 for New York residents). One other thing to note is that the length of your credit history used by the 2 credit. In both cases, higher. However, VantageScore 3. The lower the number, the lower the individual’s credit rating. $50,000 in identity theft insurance. 5/5: Report Details and Frequency: 3. 1 You can also receive free Equifax credit reports with a myEquifax account. The firm also marketed its proprietary TransUnion VantageScore as being a more accurate determinant of a borrower's creditworthiness, and while TransUnion did market its proprietary credit score to lenders, "the vast majority of credit decisions made by lenders. It is difficult to say definitively which credit bureau, TransUnion or Equifax, is more accurate as both bureaus utilize similar algorithms and data sources to generate credit reports. TransUnion provides the VantageScore 3. 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. “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. Keep reports more quickly and report, which gives them Experian recorded that one home is the fact read. Fair: 580 to 669. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. Scroll to Account Management on the right-hand side of the page. Its scores are used by more than 2,600 financial institutions and 9 of the 10 largest banks. I have a capital one credit card that I spend less than 100 dollars a month on. 0 adopted the same. Equifax vs. They should accurately reflect your credit information as reported by those bureaus — but they may not match other reports and scores out there. If you'd rather talk to a. Scores of 630 to 689 are fair credit. Fee Details. O. in 2022 reports, financial protection bureau fired at equifax, experian, and transunion brutally failed to adequately respond to consumers with evers and that. Equifax Equifax scores range from 280 to 850. S. And knowing which credit score is the most accurate can make a big difference when you're applying for credit. So, your Experian score might differ from your Equifax or TransUnion score. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. FICO says 90 per cent of Canadian lenders use it, including major banks. The VantageScore was developed by the big three credit bureaus (Experian, TransUnion, and Equifax). You’ll notice that VantageScore and FICO have similar scoring models but weight the scoring factors differently: Payment history: 40%. Discover your credit potential with powerful tools like CreditCompass TM. 2 scoring model development companies: FICO, Vantage. Main Credit Bureau Phone Numbers. ”Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. You can find the contact information under the account details section of your credit report. Credit scoring at Equifax works in largely the same way as the process works at Experian (and TransUnion). Generally, both bureaus use the 300 – 900 score range for evaluation. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. Another difference is that the Equifax credit score is. 0 scores. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. Only Credit Report costs Rs. Introducing the new Experian Smart Money ™ Digital Checking Account, designed by credit experts. Some lenders don’t report a consumer’s activity to any. Equifax. 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 representative will tell. Daily access to Equifax credit score. In reality, both scores are. The Equifax credit score is based on credit data from Equifax, while the FICO score is based on credit data from all three major credit reporting agencies. Since Equifax and TransUnion both use different credit score models, their credit score ranges are slightly different. 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. While Experian is the largest bureau in the U. Therefore, there are other reasons why the numbers. $29. A credit report is a summary of your credit history, including the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits. 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. To access these free reports, go to this site. Credit Karma is a user-friendly online service that offers free Vantage 3. Credit bureaus must remove your name from marketing lists if you ask. 2 stars: $20 per month billed annually or $17 per month billed monthly: Up to $2 million ($1 million per adult) Equifax, TransUnion, Experian: ID. Based on our analysis, Experian provides the best service for the money. Keeping in mind the reasons above, double-check you TransUnion and Equifax credit reports to make sure there isn’t any incorrect information. 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. Experian’s free credit score is the FICO Score 8, the score most lenders use. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. com. TransUnion will put more weight on your employment history. Transunion Vs Equifax: Which Is Most Accurate 7 Best Banks Credit Cards That Use TransUnion To get Out Of Credit Card Debt 2021 No credit score from any one of the credit bureaus is more valuable or more accurate than another. Final Verdict. Since the information on your credit reports at each bureau can differ, your Equifax credit. The FICO score is the most accurate credit score when it comes to applying for loans and credit cards, according to this article. First, a credit report dispute is when you notify a credit bureau like Equifax about something being wrong. TransUnion differs in credit history length. Blueprint is an. Blog. Checking your credit score is an important step in ensuring your personal information is correct and complete. You will need to provide copies of two pieces of acceptable identification, such as a driver's licence or passport. It is also very popular. Equifax is one of the two main Canadian credit bureaus, along with TransUnion. What is an excellent. This means that if there’s information on your report that’s incorrect, it will be corrected immediately. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. Currently, TransUnion does not have a price-earnings ratio. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. See moreTransUnion and Equifax are two of the three major credit bureaus that generate credit reports and scores for lenders. Their behavior is governed by the FCRA. TransUnion provides the VantageScore 3. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. The Equifax Online Self-Service portal provides information on obtaining a credit report, disputing inaccuracies in your Equifax credit report, and managing fraud alerts and security freezes. Highlights: Checking your credit history and credit scores can help you better understand your current credit position. Free monitoring services and. A score of 720 or higher is generally considered excellent credit. RANGES. Order by phone. S. 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. Instead, it provides you with a TransUnion Vantage 3. However, the actual definition of an “excellent” score varies based on the credit type or the lender. They both calculate credit scores and reports, but have different models and features. 300-900. That said, Experian scores better than TransUnion across: Report Details and Frequency, and Credit Bureau & Credit Scores. You can access your credit score from online credit score agencies. 118 and 1 credit report with credit score costs Rs. P. VantageScore Solutions, an independently managed firm created by TransUnion, Experian and Equifax in 2006, just released the fourth version of its credit scoring model — VantageScore 4. Score: 4. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. GXSINGH Full Member. The Credit Carma app for Android and iOS provides alerts for any important changes to your credit report, and if you see any errors, you can file a dispute from the. Soft inquiries typically are not visible to lenders on your credit report. How Accurate is Your Credit Karma Score? Your Credit Karma score, which is generated using the VantageScore model and data from TransUnion and Equifax, is updated every week, so it should be accurate. 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. $19. Takedown request. 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. 0 score is the same type of credit score provided by. ”. Currently, no one credit bureau is considered to be more accurate than the other. On the transunion, equifax, and Experian websites. Therefore, there are other reasons why the numbers. Another difference is that the Equifax credit score is. TransUnion vs. So is Credit Karma going to give you an accurate credit score? They should be pretty close. AnnualCreditReport. more than 200 million americans are in experian, equifax, and transunion credit reporting system. TransUnion vs Equifax: Which is most accurate? So, which credit report is most accurate? When it comes to accuracy, all three credit reporting agencies are responsible for ensuring that credit reports are accurate. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. It is a useful tool for monitoring credit before major. One of which is that they use different algorithms to calculate your credit score. 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. Speaking from a man who has just been through the whole mortgage paradox. 0 scores from TransUnion and Equifax. This will make it more difficult for the thief to. TransUnion Credit Score. Experian, 1-888-397-3742. This is similar to Equifax, and you will get detailed information on your credit report and score. — Transunion: 655 [ creditkarma. The TransUnion Credit Monitoring service costs $29. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. 95/mo after Go to Site More Details. com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. The Consumer Financial Protection Bureau ordered TransUnion and Equifax to pay more than $23 million in fines and restitutions "for deceiving consumers about the usefulness and actual cost of. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. Most importantly, my info on record was accurate and up to date. Check your credit scores and reports from each bureau annually to ensure all the. Ongoing credit monitoring; Full credit reports; Educational tools;. No credit score from any one of the credit bureaus is more valuable or more accurate than another. TransUnion was cited for reporting inaccurate eviction records in tenant background screenings. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Experian gives a more detailed picture of a person’s financial history, including payment timeliness and debt utilization. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. Below are three VantageScore 3. AnnualCreditReport. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9. You’ll be presented with the TransUnion CreditView Dashboard that shows your TransUnion Credit Score, how you compare to. Based on our analysis, Experian provides the best service for the money. Generate a more accurate credit score for those with sparse credit histories. Equifax phone number: 1-888-548-7878. “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. How to Contact Equifax . Go to TransUnion’s site and submit a new dispute. If you’re looking to get a mortgage, you will want to aim to have a credit score of at least 600. 0 scoring model . 0 is between 720 and 780. Blog. I will update these charts on a monthly basis and make notes of any. In the long run it may be more effective to. Up to $50,000 in identity theft insurance (exclusions apply for Quebec residents) Access to identity restoration specialists if fraud/theft occurs. When comparing Equifax, TransUnion, or Experian credit reports, it’s important to. Is Equifax more important than TransUnion? Is TransUnion more important than Equifax? The short answer is no. Consumers With Changes to Medical Collection Debt Reporting (Mar. Just remember that none of your free credit reports include your credit score. Generally, both bureaus use the 300 – 900 score range for evaluation. Credit reports contain information about people’s identity, credit history and credit activity as well as information from public records. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. S. Understanding credit score ranges. TransUnion VantageScore is, in fact, accurate — based on that credit score model. Equifax, 1-888-766-0008. The three-digit score is a numerical representation that indicates how risky a borrower you are from a lender’s perspective. 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. Each score can be different depending on various factors, such as scoring models, information sources, and time periods. In reality, both scores are equally accurate as they have their own scoring system. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. And while that definitely makes Equifax more attractive, it still doesn’t change the fact that TransUnion may have different information that is just as important to be aware of. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. 5 million to the CFPB. 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. S. Check your credit scores and reports from each bureau annually to ensure all the information is accurate. Get your free weekly credit. At first, VantageScore credit scores featured a different numerical scale (501 to 990). If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax. 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. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. This means that if there. Having said that, your score is still extremely accurate even if TransUnion and Equifax’s numbers differ because. I would recommend downloading MyFICO. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. Some lenders only report to one. Make a postal request with Equifax. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. See your TransUnion® and Equifax® credit reports anytime. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. , but TransUnion and Equifax are thought to be just as accurate and important. Credit Karma is perfectly accurate to check your account for. Today’s report is based on the 488,000 consumer complaints the CFPB transmitted to Equifax, Experian, and TransUnion from. Equifax is the largest credit bureau in the. This model was released in 2013 and offers greater consistency to fit today’s fast-paced society. TransUnion offers TransUnion Credit Monitoring for $24. Equifax collects more comprehensive and in-depth credit history data from various sources, while TransUnion focuses more on current and ongoing credit activity. The resulting scores and your credit file are used to determine your risk factor for future loans. A lender often chooses a credit score to gravitate to, but this does not mean one is better than the other. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . As the company has continued to grow the scores have become more and more trustworthy. If you’re worried you have a low credit score, it may have something to do with which credit reporting agency you’re using. ”. Hard to explain, although TransUnion remembers some quite old accounts (10+ years) whereas Equifax doesn't. Equifax and TransUnion. 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. with TransUnion. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. consumers with the ongoing availability of free weekly credit reports through AnnualCreditReport. This is because accuracy can depend on a variety of factors, such as the source of the data, the handling of the data and the methods used to compile and report the information. It is calculated by TransUnion, Experian, and Equifax, the three major credit bureaus. 5% net profit margin. TransUnion vs Equifax. , TransUnion and Equifax are widely considered to be just as accurate and important. You should regularly review things on your credit report, such as personal information, credit accounts, collections, bankruptcies, and credit inquiries. Equifax. The CFPB has taken action against TransUnion four times in the last seven years. According to the report, which was released in early 2022, most of the approximately 700,000 complaints related to inaccurate. Equifax. By law, you're entitled to one free annual credit report. TransUnion agreed to pay $11 million to consumers and a $4 million penalty as well as to make sure it properly reports eviction data. TransUnion 30%. Based in. Equifax offers a variety of credit monitoring services priced from $4. Both TransUnion and Equifax are reliable credit reporting agencies that compile reports and calculate your credit scores using different scoring models. The Fair and Accurate Credit Transactions Act (FACTA), which is an amendment to the Fair Credit Reporting Act (FCRA), gives you the right to access a credit report from Equifax, TransUnion and. about transunion TransUnion is a global information and insights company with over 12,000 associates operating in more than 30 countries. There are many. It also gives you a credit rating between poor and excellent. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. 0® by Experian. Analysts expect adjusted earnings to reach $3. Currently, no one credit bureau is considered to be more accurate than the other. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. This is a newer scoring model created through a collaboration among the three major credit bureaus to devise. 0 is between 720 and 780. Is TransUnion or Equifax more accurate? When it comes to credit reporting agencies, both TransUnion and Equifax are widely recognized and used by lenders, employers, and landlords to evaluate applicants’ creditworthiness. 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.