There are 3 large credit monitoring agencies in the US. Each one gives a FICO score. But each one has a different way of giving their score. You may notice that your Transunion score hovers about 15 points less than your equifax score. And your Equifax score hovers below Experian. There may seem to be no rhyme or reason as to why they score so differently. But each company says they use different monitoring criteria.

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