”. That said, both TransUnion and Equifax have their own strengths. S. TransUnion phone number: 1-800-916-8800. Equifax 54%. While Experian is the largest bureau in the U. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax Complete. — I'd like to have 775+ score around this time next year. Request your free credit reports. Box 740256. 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. What is an excellent. The one common ground is the importance of education and awareness. 0 is between 720 and 780. The only purpose of making it so difficult is to try and earn more money and take advantage of the consumer. FICO is a separate product issued by a separate company. 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). The idea that checking your credit score will have a negative impact is a common myth. 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. You may. 2 million in fines and restitution for deceiving customers. Free trial includes all features;. Both TransUnion and Equifax use the latest Vantage 3. 0; Equifax VantageScore 3. more than 200 million americans are in experian, equifax, and transunion credit reporting system. Both companies collect credit information on individual consumers, which they sell to lenders and. TransUnion offers TransUnion Credit Monitoring for $24. Box 105281. Which is more accurate TransUnion or Experian? TransUnion: The Bottom Line. TransUnion and Equifax are two of the three major credit bureaus that generate credit reports and scores for lenders. Equifax is generally considered the most accurate, because it uses what’s called a “true credit reporting model. However, the actual definition of an “excellent” score varies based on the credit type or the lender. TransUnion provides the VantageScore 3. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. The information you see on Credit Karma should match what Equifax and TransUnion show. 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. The monthly fee for this service is $9. Equifax. Which is why it differs so much from Experian. The Bottom Line. See your credit score now and stay on top of it with updates available daily. Atlanta, GA 30348. O. Ongoing credit monitoring; Full credit reports; Educational tools;. com . Dispute directly with the company that reported the information to TransUnion. That being said, mistakes can happen. If you have a credit history that’s been reported to the bureaus, you can have a credit report with each of the major bureaus. For your convenience we have provided their addresses and telephone numbers below. consumers' FICO ® Scores are higher than 650. 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. Phishing is a cybercrime that can occur when you request your credit check. Credit Report costs Rs. However, determining which one is more accurate is not a straightforward answer, as it depends on various factors. In personal finance, practically everything can turn on one. Equifax classifies a good credit score as 660 or higher, while TransUnion classifies a good credit score as 650 or higher. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. There are many reasons why the numbers between Equifax and Transunion may differ so much. TransUnion provides the VantageScore 3. This means that if there. Experian is one of the three major credit bureaus, along with Equifax and TransUnion. The lower the number, the lower the individual’s credit rating. For example, if you recently turned 18, new to the country or new to credit, there’s little you can do to add to the length of your credit history. 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. In 2021, Equifax, Experian, and TransUnion together reported relief in response to less than 2%. Source: By these. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. that means potentially, 40 million customers have errors on their credit reports. Credit bureaus may report different information and a landlord can use any or all of the bureaus to get an idea of credit worthiness and financial management. It is also very popular. One other thing to note is that the length of your credit history used by the 2 credit. A credit reporting agency collects information about consumers’ credit and financial history. com and TransUnion are accessible to the vision impaired. Equifax is the largest credit bureau in the U. TransUnion 30%. S. According to the report, which was released in early 2022, most of the approximately 700,000 complaints related to inaccurate. It offers a quick glance at your credit health and history of paying back your. What's more, your score of 650 is very close to the Good credit score range of 670-739. TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. Learn More. TransUnion agreed to pay $11 million to consumers and a $4 million penalty as well as to make sure it properly reports eviction data. These companies compile information about your credit into reports that are used to generate your credit scores. 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. 0 credit score when you sign up for its credit monitoring service. Equifax has since come under scrutiny for violating the FCRA. about transunion TransUnion is a global information and insights company with over 12,000 associates operating in more than 30 countries. Credit Karma is an accurate way to check your Vantage credit score with TransUnion and Equifax. Get your free weekly credit. S. Designed to meet the needs of financing companies and automobile dealers, the score predicts the likelihood of a prospect or existing loan holder becoming 60 or more days delinquent in a 12-month period. 472. These scores may not match up exactly with credit scores based on the FICO® Score 8 credit-scoring model, but they rely on many similar factors. . 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. A new analysis by the Consumer Financial Protection Bureau (CFPB) reveals how changes in complaint responses provided by nationwide consumer reporting companies resulted in fewer meaningful responses and less consumer relief. I would recommend downloading MyFICO. But for the last two months, I’ve been checking the Equifax and TransUnion apps as well, and they score me at 719 and 721. The Transunion customer service representative I dealt with was helpful and curtious. You can access your credit score from online credit score agencies. P. Your good credit will be. The big three consumer credit bureaus — Equifax, Experian, and TransUnion — create consumer credit reports that companies can use to assess the creditworthiness of individuals. S. In the long run it may be more effective to. 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. Credit bureaus must remove your name from marketing lists if you ask. com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports. TransUnion will provide you with your VantageScore 3. Make a postal request with 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. However, some consumers may perceive one bureau to be more accurate than the other based on their personal experiences or data discrepancies. 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. Mail the form with your. We all collect similar information, and a lot of it overlaps, but scores can vary for a number of reasons. Credit and debt analysis personalized to your situation. FICO is a risk score calculated based on your debt history; there are at least 40 different. P. The three major credit bureaus are Equifax®, Experian® and TransUnion®. Your lenders may have provided less information to one bureau and more data to another. AnnualCreditReport. Similarly, a good credit score under the FICO Score model falls between 670 and 739. 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. Whereas, TransUnion scores better on Plans and Pricing, and Monitoring and. Equifax credit reports are generally regarded as being very accurate. Some people want to achieve a score of 850, the highest credit score possible. Again, you have alternative options where you can check your credit score for free, like Credit Karma. The Experian App is very accurate, at least for seeing what your true score is for most lending decisions. Potential employers must get your written permission before accessing your credit reports. Equifax operates an 81-month credit history while TransUnion checks your data to as far back as over 24 months. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. Good Credit. FICO says 90 per cent of Canadian lenders use it, including major banks. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. Is CreditWise Accurate? CreditWise uses TransUnion’s VantageScore 3. Equifax and TransUnion scores can only be as accurate as the information they receive. While not a credit bureau, Credit Karma allows users to track their progress, set up alerts for credit changes, and prevent identity theft. 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. 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. The inaccurate scores were sent to lenders between March 17 and April 6, the company said. ”. Credit Reports for the Vision Impaired. And knowing which credit score is the most accurate can make a big difference when you're applying for credit. National Mortgage Professional, an industry publication, first reported the glitch in May. To get a complete view of your credit report, you need to check all three credit reports offered by the major credit bureaus. However, some credit bureaus have traditionally collected and reported different information. 95/month for one adult. 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. Jeff Richardson, vice president of marketing and communications with. O. Therefore, there are other reasons why the numbers. The VantageScore and FICO models differ in several ways, but that doesn’t mean one is better or more accurate than the other. 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 top three are (in alphabetical order) Equifax, Experian, and TransUnion. Get notified when there are important changes to your credit reports. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. TransUnion uses an outside. Since Equifax and TransUnion both use different credit score models, their credit score ranges are slightly different. Is Equifax more accurate than TransUnion? It is difficult to definitively answer the question of whether Equifax is more accurate than TransUnion. The service updates every 7 days, providing regular insights into credit standing. Three major credit reporting agencies collect your financial information and compile it into a report — TransUnion, Equifax and Experian. A score of 690 to 719 is considered good 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. The FICO score ranges from 300 to 850, with higher scores being better. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. 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. Do lenders use Experian or Equifax more? Lenders may purchase credit. TransUnion vs. You’ll be able to attach supporting documents to your dispute if you submit it directly with TransUnion. 1 Credit Report with credit score costs Rs. Third, you'll get the results of the dispute. The law sought to better protect consumers from fraud and identity theft and to ensure accurate credit reporting. When a borrower fails to make payments on a debt for several months, the lender may decide to charge off the debt and may close the account. 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. Credit karma gives vantage scores, not Fico, which is why you don't need to pay much attention to the actual score. com. Equifax and TransUnion. Many credit card companies, banks and loan companies have started providing credit scores for their customers. Equifax. The Equifax credit score model uses a numerical range between 280 and 850, and FICO score models use a range between 300 and 850. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. FICO scores are generally calculated using five categories of information. As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. That applied to both individuals and family plans. Remember, no one has just one credit score, because financial institutions use more than one scoring method. It's a very expensive product so it seems fair to expect it to be accurate. 1. Is Equifax more important than TransUnion? Is TransUnion more important than Equifax? The short answer is no. Equifax, on the other hand, charges 9. . The nation’s consumer watchdog agency on Tuesday ordered the credit-reporting agencies TransUnion and Equifax to pay more than $23. No one agency is more accurate than the other. Why is my Equifax score so low? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal. 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. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that. 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. This score also ranges from 300 up to 850. Fair: 580 to 669. The 3 major credit reporting agencies. You should regularly review things on your credit report, such as personal information, credit accounts, collections, bankruptcies, and credit inquiries. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. TransUnion and Equifax calculate credit scores using different models. 45. Despite being commonly used to report Canadians' credit scores, TransUnion comes up. Good: 670 to 739. consumers with the ongoing availability of free weekly credit reports through AnnualCreditReport. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. 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. You can access your credit score from online credit score agencies. Image: Alert-1. TransUnion VantageScore 3. The program also gives you access to your TransUnion® credit report, free monitoring alerts and up to $25,000 in identity theft insurance. The VantageScore was developed by the big three credit bureaus (Experian, TransUnion, and Equifax). One of the scoring models that TransUnion uses to calculate credit scores is VantageScore® 3. O. If you see something inaccurate or incomplete, contact your lender. 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. As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. The most accurate credit scores are the latest versions of the FICO. Equifax. S. Highlights: Regularly checking your credit reports is a good way to ensure information is complete and accurate. Is TransUnion credit score accurate? Many consumers are more familiar with FICO scores, as VantageScore is a more recent. Here are some frequently asked questions people ask about their TransUnion and Equifax scores. They both calculate credit scores and reports, but have different models and features. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. 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. When it comes to the TransUnion vs. It also provides scores for those with limited credit history. In fact, AnnualCreditReport. Speaking from a man who has just been through the whole mortgage paradox. To dispute ID theft-related errors, follow these steps: Place a fraud alert: Contact one of the three credit bureaus (TransUnion, Experian, or Equifax) to place a fraud alert on your credit report. Some lenders only report to one credit bureau, while other lenders report to. Protect your credit. The report came after the CFPB revealed that more than half of the complaints submitted to the agency from January 2020 through the following summer involved Equifax, Experian and TransUnion. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. 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. Some financial advisors suggest staggering your requests over a 12-month period to help keep an eye on your reports and make sure they have accurate information. TransUnion is currently offering free. What's more, your score of 660 is very close to the Good credit score range of 670-739. Like the other major credit bureaus, it gathers information on credit history and activity, among other things, to generate credit reports. consumers submit complaints about negative but otherwise accurate information. 95, giving you continuous access to your Equifax credit score. TransUnion is currently offering free weekly reports online. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. S. The information available online shows that Equifax uses an 81-month credit history. The most accurate credit report is the one that includes all of your loans and credit accounts and is error-free. 0 is between 720 and 780. TransUnion had annual revenue in excess of $3. Barclays uses a FICO score — the score most lenders use. 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. more-accurate insight into your borrowing and payment patterns. TransUnion. 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. 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. The best credit monitoring services offer triple-bureau protection, meaning they monitor all three of the major credit bureaus —Experian, Equifax and TransUnion. 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. Or example, only on a he MyFICO app and experian does it show my credit score is in the low 600s on all credit bureaus for the past 3 months. TransUnion will put more weight on your employment history. This works in a similar way to the arrangements TransUnion. Just remember that none of your free credit reports include your credit score. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. You can get free Equifax credit reports at annualcreditreport. Both Transunion and Equifax say the score is based on date as of 9/22/16 but experian says based on data as of 9/2/2016. 1 You can also receive free Equifax credit reports with a myEquifax account. S. Equifax and Transunion websites both give you vantage 3. S. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. TransUnion TransUnion ranges from a low of 300 to a high of 850. By law, consumers can submit complaints about incomplete or inaccurate credit reports to the CFPB. 9B in revenue. The big three consumer credit bureaus most people are familiar with include TransUnion, Equifax, and Experian. For a fraud alert, you only need to contact one bureau and that bureau will notify the other two. Year-over-year quarterly sales growth most recently was 3. Box 4500. TransUnion is bringing up the rear among the three. Main Credit Bureau Phone Numbers. Checking your credit reports can also help you detect any inaccurate or incomplete information. The information is accurate, sourced from Equifax and TransUnion. 0. Choosing between Equifax and TransUnion as to which credit bureau is more accurate. There are many. Since the number of hard inquiries is a factor in calculating your Credit Score, this could. 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. The most accurate credit bureaus. 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. You always want to make sure the information in each file is fully accurate, regardless of scoring model used. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. On the transunion, equifax, and Experian websites. Equifax Credit Information Services, Inc. Call the credit bureau and follow the instructions. Currently, TransUnion does not have a price-earnings ratio. And in 2013, the company lost an $18. call 1-877-322-8228, or. Credit bureaus are different from credit-scoring companies, such as VantageScore® and FICO®. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. This model scoring scale starts at 300 (the lowest) and caps at 850. — I'd like to have $25,000 in available credit around this time next year. ] — To build credit so as to prepare to buy a house or land or both. 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. There are a number of reasons for this. — Transunion: 655 [ creditkarma. There are many different credit scores, and each may be calculated. The accuracy of the scores depends on the accuracy of the information provided to them by. Their breakdown of credit factors is: Payment history (40%) Credit utilization (20%) Credit. These companies are Equifax, TransUnion, and Experian. Most importantly, my info on record was accurate and up to date. The short answer is no; a credit bureau’s credit score is valuable and as. How to Contact Equifax . 0® by Experian. Experian breaks down a credit. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. In reality, both scores are. 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. TransUnion: Credit Rating. “The incoming administration is supportive of policies that would bring more accurate and reliable data into the credit reporting. Today’s report is based on the 488,000 consumer complaints the CFPB transmitted to Equifax, Experian, and TransUnion from. You have a universal or overall credit score. A score in the 700s and above is generally considered good, while a score below 600 is considered poor. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days. It also reveals your FICO Score 8—the score most lenders use—which can give you a better idea of what lenders see than the. Simply put, there is no “more accurate” score when it comes down to receiving your score from the major credit bureaus. TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9. Learn more about Identity Theft. Generate a more accurate credit score for those with sparse credit histories. The top three are (in alphabetical order) Equifax, Experian, and TransUnion. Equifax. a Good credit score under the VantageScore model (typically used by TransUnion and Equifax) falls between 700 and 749. Which credit score is more accurate Experian or TransUnion? Experian's free credit score is the FICO Score 8, the score most lenders use. VantageScore, which was created collaboratively by the big 3 bureaus in 2006, claims to be more accurate. 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. TransUnion: Is One More Accurate? The short answer is no; a credit bureau’s credit score is valuable and as accurate as another. 0 scores from TransUnion and Equifax. 2 scoring model development companies: FICO, Vantage. The credit bureaus manage records on your accounts, balances and the payments you make. 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. 95/month. So I have been using Credit Karma for a while to periodically check in on my TransUnion and Equifax scores, but tonight I was curious about - 3824503. AnnualCreditReport. Some lenders don’t report a consumer’s activity to any. The company does not reveal the exact scoring model it uses, but its. Is TransUnion or Equifax more accurate? If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. 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. 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. More information about Transunion’s dispute process by mail and dispute form. Equifax My experience was the exact opposite to that of Ashby Corner (posted June 2009) when dealing with both Transunion and Equifax. Alerts when key changes are detected in credit report. $29. This free service was first introduced at the o. 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. Credit scores from the three main bureaus (Experian, Equifax, and TransUnion) are considered accurate. The TransUnion TransRisk score ranges from a low of 300 to a high of 850, where 850 is considered to be excellent. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. Credit Karma’s mission, which is to match members with appropriate products based on the lenders’ desired customer profiles, could help you find the offers that will save you more money. FICO ® Score 5 is the Equifax version of the "classic" FICO ® Score. Generally, both bureaus use the 300 – 900 score range for evaluation. Keep reports more quickly and report, which gives them Experian recorded that one home is the fact read. com. Equifax, and TransUnion Support U. 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. For starters, Equifax and Transunion have their own proprietary algorithms, with each one assigning a different weighting to the. Experian’s free credit score is the FICO Score 8, the score most lenders use. This model was released in 2013 and offers greater consistency to fit today’s fast-paced society. Credit score concerns accounted for slightly more than half of all complaints sent to the federal agency in 2020 and 2021, the nonprofit consumer advocacy group found. 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. 0 credit scores from TransUnion and Equifax. Equifax, Experian and TransUnion are the three main consumer credit bureaus. Experian phone number: 1-800-493-1058. The representative will tell. It is a useful tool for monitoring credit before major. A good TransUnion credit score can range between 700 and 750. Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. Experian might offer more comprehensive identity theft protection services. However, VantageScore 3. 7 billion in 2022, and collects information on more than 200 million Americans, including information on their payment histories, debt loads, maximum credit limits, names and addresses of current creditors, and other elements of their credit relationships.