So which one of these 3 credit bureaus hold the most value..

CTrain

Diamond Member
Sep 26, 2001
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That and which one usually give you the best score...worst score ???

I was oblivious to credit score and such for a while until now because I'm looking for a home lately.
So I just signed up for Citi monitoring service and was just curious as which one of the bureau banks and etc....like to weight the most.

TransUnion- 732
Equifax- 725
Experian- 670. (this is the only company thats reporting a bogus $32 from a collection agency which I'm trying to dispute)(I thought they don't usually report anything under $100, anyway)
 

Merlyn3D

Platinum Member
Sep 15, 2001
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Um...it really depends on where you want to buy something that needs credit. For instance, one phone company will check experian, another transunion, and if they like what they see, then you get what you want. Certain creditors rely on certain bureaus.
 

Vic

Elite Member
Jun 12, 2001
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None. Banks/creditors will either use the bureau of their choice or, if they pull all 3 bureaus, they will qualify using the middle score of the 3. Which in your case is 725.
edit: which is an excellent score.
 

CTrain

Diamond Member
Sep 26, 2001
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Originally posted by: Vic
None. Banks/creditors will either use the bureau of their choice or, if they pull all 3 bureaus, they will qualify using the middle score of the 3. Which in your case is 725.
edit: which is an excellent score.

Thx. So its just based on the business's choice of the bureau, right ??

Its wierd to me that Experian would report the $32 collection and the other 2 didn't.
And its also a small amount that causes the 50+ points differential.
 

psiu

Golden Member
Oct 1, 2003
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Well, a small amount but the first entry in the "deadbeat/doesn't pay bills/bad-with-money/doesn't-make-enough category.
 

Vic

Elite Member
Jun 12, 2001
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The collection agency likely only reported it to Experian and not to the other bureaus. I don't believe there is any minimum dollar amount on what can be reported. Don't worry though, most creditors would ignore a collection so small. Collection agencies only report what is reported to them. It's not like all 3 were notified of the collection and only Experian decided to report it. That's not how it works.