Frequently Asked Questions(FAQ)

Why is My Equifax Score Lower Than Experian?

If you're wondering why your Equifax score is lower than your Experian score, it could be because lenders may not report information to all three credit bureaus, meaning you have different credit reports. Additionally, each credit bureau calculates credit scores in a slightly different way. Therefore, it is normal to have slightly different credit scores from each bureau, and the same set of good habits can help credit scores improve with both Equifax and Experian.

Is Experian or Equifax more accurate?

No one credit bureau is considered more accurate than another. Both Experian and Equifax use similar methods to gather credit information about you from lenders and creditors. However, they may have different information in their reports, so it's important to check all three major credit bureaus regularly to ensure the most complete picture of your credit history. Additionally, each bureau calculates credit scores differently, which can also result in differences between scores. Ultimately, all three bureaus are important in determining your creditworthiness and should be monitored regularly.

Which credit score matters more: your Equifax score or your Experian score?

More companies use Experian for credit reporting, from a consumer’s standpoint, taking steps to keep your credit score strong will help with all three of your credit scores. Further, you will not likely know in advance if your lender is using Experian vs. Equifax. So, please remember that when you are trying to qualify for a loan, credit card, mortgage, etc., lenders can look at any of your credit scores. 

How often should I check my credit reports from Experian and Equifax?

The Fair Credit Reporting Act (FCRA) makes it so that every consumer is entitled to one free credit report from one of the three bureaus each year. As such, you can request a free credit report from each bureau once every 12 months through However, you may want to check your reports more frequently if you are actively working to improve your credit or if you suspect fraud or errors on your report.

About the Authors

Ann Schreiber

Written by: Ann Schreiber

Seasoned Copywriter & Content Marketer

Ann has been a marketer and a content writer for over 20 years. She worked for financial institutions such as FICO, Experian, and BlueChip Financial as a director of content and brand marketing.

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