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How is that my credit score is different between bureaus? Trans union, Equifax, and Expirian, are the three credit bureaus, but why is one 636 and the other is 582 – and im not sure about the third, but I am trying to get approved for a 250k FHA loan on 104k salary a year – with 72k as my tax amount (self employed) is this going to hurt me? I just don’t understand.
To get your most accurate score, go to a bank, and have them pull credit – or simply call one of the bureaus – you are entitled to one free credit report per year

Any when i say amount i am taxes on that is will all of my self employment deductions, i was told though that there is a worksheet that you can fill out to add back in your deductions – which makes your income more realistic – for loan approval – exaple i get the home office deduction- which should not reduce my income but it does in a tax sense.

3 Thoughts on Why are all three credit bureaus giving me a different score?
  1. Reply
    Steve D
    November 3, 2011 at 6:30 am

    Each bureau uses a different formula and also, each of your creditors may not report to all three bureaus, so the three bureaus might have different information.

    Not sure what you mean by salary versus tax amount. If you are suggesting that you make 104K a year but only report 72K, yes it will hurt you because only the 72K will count, since the lender will want to see your last two tax returns as verification of income.

  2. Reply
    November 3, 2011 at 6:57 am

    Where did you get all 3 scores?? How much did it cost?? Just wondering as I check Credit for Transunion, not sure how to get the other 2 and need to find out.

    Good Luck in getting your loan!

  3. Reply
    Joseph O
    November 3, 2011 at 7:09 am


    I own a Credit Restoration company and will be happy to answer this question for you.

    If your mid-score is below a 620 you will be hard pressed to get a loan. FHA guidelines require a mid-score of at least 620 and they don’t accept unconventional trade lines any more.

    In all honesty, you need to get your score over 720 for best results.

    As already mentioned, each credit bureau uses different scoring models to calculate your scores. Additionally, creditors frequently only report to ONE of the bureaus as it costs them money to report to each.

    If you go to my site, you can pull all three of your reports with scores for free here:

    Additionally, if you have any further questions I will be happy to assist you.

    Joe Orsak
    (866) 802-3470

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