Each credit reference agency (CRA) calculates credit scores differently, using its own data and scoring model. Here’s how their score ranges compare:
• Equifax: 0–1000
• Experian: 0–999
• TransUnion: 0–710
Why scores vary Scores can differ for several reasons:
• Lenders don’t share data with every CRA. Some report to one or two agencies, not all three.
• Updates arrive at different times. Information might appear in one report before another.
• Each CRA uses a different algorithm. For example, opening a new credit card or mortgage might lower one score but have little effect on another.
What lenders actually use
Lenders don’t rely on your ClearScore credit score, or any one CRA score, to make decisions. When you apply for credit, lenders view your credit report data and use their own internal scoring system to assess risk and affordability.
Because of this, differences between scores are normal - they reflect how each CRA interprets your data, not what lenders will decide.
What to focus on
Comparing scores across agencies isn’t helpful since they aren’t directly comparable. Instead, focus on maintaining healthy financial habits:
•Make payments on time
• Keep credit balances low
• Limit new credit applications
Your credit score is a guide to help you understand your progress, not a fixed measure of your financial health.