Like the other major credit bureaus, it gathers information on credit history and activity, among other things, to generate credit reports. In fact, the company operates in 24 countries globally. consumers' FICO ® Scores are higher than 660. Image: Credit-Building-1. Credit Karma works with Equifax and TransUnion, two of the three major consumer credit bureaus, to give you access to your free credit scores and free credit reports. More information about Experian’s dispute process and dispute form. Learn how credit bureaus collect and use your information to create credit reports and scores, and how they compare with each other. Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. S. Year-over-year quarterly sales growth most recently was 3. The best credit monitoring services offer triple-bureau protection, meaning they monitor all three of the major credit bureaus —Experian, Equifax and TransUnion. Speaking from a man who has just been through the whole mortgage paradox. Which Credit Bureau is Most Accurate? Aside from reporting errors, neither TransUnion nor Equifax demonstrates better accuracy. Equifax. While it's a product from one of the three main credit agencies in the U. . The truth is no credit score from any one of the credit bureaus is more valuable or more accurate. This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. They should accurately reflect your credit information as reported by those bureaus — but they may not match other reports and scores out there. Key Takeaways. Image: Alert-1. Which credit report is most accurate? The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 8 and VantageScore 3. Spot identity theft early. 18. In a Nutshell. So, depending on the purpose, one might be more important than the other. 5 million fine from the Federal Trade Commission in 2000. With some work, you may be able to reach (and even exceed) that score range, which could mean access to a greater range of credit and loans, at better interest rates. If the information on your credit report is found to be inaccurate or incomplete, your credit report will be updated, generally within about 30 days. 0 and VantageScore 4. Believe me, Equifax and TransUnion are the last two you don't want to mess with unless you are loaded with cash. The Transunion customer service representative I dealt with was helpful and curtious. Here’s the reason: “The scores and credit report information on Credit Karma comes from TransUnion and Equifax, two of the three major credit bureaus. Understanding credit score ranges. Some people want to achieve a score of 850, the highest credit score possible. If the scores vary based on the same scoring model, then Credit Report information could be different at each of the 3 bureaus. Highlights: Checking your credit history and credit scores can help you better understand your current credit position. . The company uses several different formulas to calculate credit scores—including VantageScore 3. Your good credit will be. More Details > More Details > OVERALL RATINGS Equifax TransUnion; Plans and Pricing: 4. Main Credit Bureau Phone Numbers. Equifax vs. Credit Karma’s mission, which is to match members with appropriate products based on the lenders’ desired customer profiles, could help you find the offers that will save you more money. 0% dividend yield. An $11 million portion of the settlement will compensate consumers upon approval by a federal court. P. The lower the number, the lower the individual’s credit rating. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Even then with the different algorithms, the variance between the two scores should be between 7-10% or even less . Make a postal request with Equifax. To obtain your Experian or Equifax credit report, you must contact them directly. If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. Experian’s free credit score is the FICO Score 8, the score most lenders use. Equifax collects more comprehensive and in-depth credit history data from various sources, while TransUnion focuses more on current and ongoing credit activity. Which is why it differs so much from Experian. 2 million in fines and restitution for deceiving consumers about the. On the transunion, equifax, and Experian websites. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. Your TransUnion credit report might contain information that your. Is Equifax or TransUnion more accurate? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Third, you'll get the results of the dispute. can get 6 additional free credit reports per year through 2026 by visiting the Equifax website or by calling 866-349-5191. What is an excellent. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. However, VantageScore 3. You can place an Experian fraud alert, and afterwards, Experian will notify the other two bureaus. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. Equifax offers two credit monitoring plans, Equifax Complete Premier and Equifax Complete. This means that if there. TransUnion: 300–850. Advanced and Premier services the most accurate for credit score updates. You should regularly review things on your credit report, such as personal information, credit accounts, collections, bankruptcies, and credit inquiries. Follow this checklist to know what to look for on your Equifax credit report. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. If you believe information on your Equifax credit report is inaccurate or incomplete, you can file a dispute. com. This process takes a tremendous amount of information into consideration, and the result is your three-digit credit score number. According to its website, nine of the 10 largest banks, 29 of the 100 largest credit unions and more than 2,200 financial institutions used VantageScore credit scores in one or more lines of business. Equifax uses a credit score range of 280-850. While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. That being said, mistakes can happen. The TransUnion Auto Score, an industry-specific risk score, offers more accurate predictions on non-prime and sub-prime applicants. The monthly fee for this service is $9. Is TransUnion or Equifax more accurate? Neither TransUnion or. This guide is designed to help you learn more about Equifax, one of the “big 3” credit bureaus in the United States. A credit report is a summary of your credit history, including the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits. com. Credit Karma: Which is more accurate for your credit score? You may be surprised to know that the simple answer is that both are accurate. TransUnion differs in credit history length. A score of 720 or higher is generally considered excellent credit. The most accurate credit bureaus. 300-900. For example, Equifax is known for reporting more lengthy credit histories. Score: 4. 2 scoring model development companies: FICO, Vantage. A CFPB investigation concluded that Transunion and Equifax deceived Americans about the reports they provided and the fees they charged. It also gives you a credit rating between poor and excellent. Experian, 1-888-397-3742. Atlanta, GA 30374. No one credit report is innately more accurate than the others. Because TransUnion serves as a bureau for lenders and debt collectors, it tends to include more accurate and up-to-date information. Up to $50,000 in identity theft insurance (exclusions apply for Quebec residents) Access to identity restoration specialists if fraud/theft occurs. 95 per month. UPDATED: October 30, 2023 The look of your credit score can be deceiving. That applied to both individuals and family plans. VantageScore Solutions, an independently managed firm created by TransUnion, Experian and Equifax in 2006, just released the fourth version of its credit scoring model — VantageScore 4. The 3 major credit reporting agencies. The bottom line on whether Credit Karma is accurate. Just look for "Equifax Credit Report" on your myEquifax dashboard. FICO ® Score 4 (TransUnion) As you can see, each of the three main credit bureaus (Equifax, Experian and TransUnion) use a slightly different version of the industry-specific FICO Score. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair” across the board. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair. Your Equifax credit score is more likely to appear lower than your TransUnion one because of the reporting differences, but a “fair” score from TransUnion is typically “fair” across the board. This trio dominates the market for collecting information about consumers in the credit markets. Learn how credit bureaus collect and use your information to create credit. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. By law, you're entitled to one free annual credit report. Stay up to date. This company weighs your payment history and credit age more so than the other two credit bureaus. Similar to TransUnion, Equifax should be capitalized when used in a sentence as it is a proper noun. The website was created in a joint venture between Experian, TransUnion and Equifax following the passage of the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit. If not, Credit Karma & Borrowell are your main go to then. Creating a scoring model that can make accurate predictions is difficult. If you have a credit card with another Big Bank, you can get free TransUnion/Equifax scores through them as well. In fact, AnnualCreditReport. I would recommend downloading MyFICO. Free Credit Reports. consumers with the ongoing availability of free weekly credit reports through AnnualCreditReport. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. The Federal Trade Commission and the Consumer Financial Protection Bureau (CFPB) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of $15 million to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction. Equifax, TransUnion, Experian: Aura Couple: 4. TransUnion will put more weight on your employment history. Equifax uses the Equifax Risk Score, while TransUnion uses the CreditVision Scoring model. It charges a monthly fee to access the credit score and report directly, but you can also get the same information for free through ClearScore. 550. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. Free monitoring services and. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. TransUnion again admitted no wrongdoing, and said it has. It offers a quick glance at your credit health and history of paying back your debts. Is TransUnion or Equifax more accurate? If you have a 100-point difference between your TransUnion and Equifax credit scores, you might be wondering which is more accurate. Learn more below about what a charge-off is and how it may impact your. By using Credit Karma to monitor your VantageScore 3. 300-900. The three national credit reporting agencies—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. Tailored for use by providers of auto financing, the FICO Auto Score uses a score range. Again, you have alternative options where you can check your credit score for free, like Credit Karma. 95/month for one adult. FICO ® Score 5 is the Equifax version of the "classic" FICO ® Score. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. In fact, the company operates in 24 countries globally. TransUnion TransUnion ranges from a low of 300 to a high of 850. And scores of 629 or below are bad credit. S. S. Some lenders don’t report a consumer’s activity to any. TransUnion is bringing up the rear among the three. You can get free Equifax credit reports at annualcreditreport. Your Equifax credit score is likely lower due to reporting differences. The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3. Equifax and TransUnion. The FICO Score ranges from a low of 300 to a high of 850. TransUnion provides the VantageScore 3. Score: 4. Regularly checking your credit reports can help you be more aware of what lenders may see. 0; Features. ”. Alerts to key credit report changes to help spot potential identity theft. From January 2020 to September 2021, the CFPB received more than 800,000 credit or consumer reporting complaints. The service updates every 7 days, providing regular insights into credit standing. When it comes to the TransUnion vs. Free weekly online credit reports are available from Equifax, Experian and TransUnion. Here are some frequently asked questions people ask about their TransUnion and Equifax scores. The company does not reveal the exact scoring model it uses, but its. Ongoing credit monitoring; Full credit reports; Educational tools;. 5. But in reality, nearly 50 companies appear on the Consumer Financial Protection Bureau’s list of consumer reporting companies. Is your FICO score more accurate than using credit karma ( transunion: 653 equifax: 659 FICO: 705) Also credit karma says I have only 3 months of credit history (since my other accounts are closed) but on the FICO score it says 4 years which is accurate Or are none of these that accurateEquifax Complete™ Premier. A good score with TransUnion and VantageScore® 3. Box 740241. 0 and 4. TransUnion had annual revenue in excess of $3. FICO scores are generally calculated using five categories of information. Hard to explain, although TransUnion remembers some quite old accounts (10+ years) whereas Equifax doesn't. Skip Navigation. The inaccurate scores were sent to lenders between March 17 and April 6, the company said. It was developed by the three major consumer credit bureaus — Equifax, Experian and TransUnion — to create a “more predictive scoring model that is easy to understand. Experian. A credit report dispute is when you ask Equifax to investigate information on your credit report that seems inaccurate or incorrect to you. Visit our Digital Banking Guide to see a demo of this feature, and learn more about why it’s important to check your credit score here. This is by far the most comprehensive database of consumer financial insights available in the market. The Fair Credit Reporting Act requires the CFPB to submit an annual report about complaints submitted by consumers regarding the nationwide consumer reporting companies: Equifax, Experian, and TransUnion. The three major credit bureaus—TransUnion ®, Experian ® and Equifax. VantageScore was created in partnership among all three credit bureaus — Experian, Equifax, and TransUnion. The TransUnion Credit Monitoring service costs $29. The accuracy of the scores depends on the accuracy of the information provided to them by. Experian breaks down a credit. No one agency is more accurate than the other. Experian, Equifax, and TransUnion each offer credit monitoring services. The Credit Scores Lenders CheckCredit Karma is perhaps the best-known service for getting free credit score reports from the Equifax and TransUnion credit bureaus (Experian is the other major bureau). — I'd like to have 775+ score around this time next year. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Order by phone. You can find the contact information under the account details section of your credit report. There has been nothing new on my Equifax credit report. Choosing between Equifax and TransUnion as to which credit bureau is more accurate. You can get a free copy of your Equifax credit report to. Here are a few ways: Check your credit card, financial institution or loan statement. Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. The accuracy of credit reports varies based on which. Which credit score is more accurate Experian or TransUnion? While both TransUnion and Experian have some similarities, Experian offers a more robust suite of consumer services. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. Your lenders may have provided less information to one bureau and more data to another. You should file a credit dispute if you see. Last edited: Sep 27, 2017. The VantageScore and FICO models differ in several ways, but that doesn’t mean one is better or more accurate than the other. The most accurate credit report is the one that includes all of your loans and credit accounts and is error-free. Which one is more accurate TransUnion or Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. Credit bureaus must remove your name from marketing lists if you ask. . Since the information on your credit reports at each bureau can differ, your Equifax credit score and FICO score can differ depending on which credit report is used to calculate the score. We encourage you to call the VA at (877)-881-7618 if you have outstanding medical debt that you think is the responsibility of the VA, and the staff will work with you to find a resolution. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. 0 is between 720 and 780. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. Read on to find out what’s different between the two companies, how they get your credit score, and why you have more than one credit score to begin with. I will update these charts on a monthly basis and make notes of any. 0 credit score when you sign up for its credit monitoring service. Remember, no one has just one credit score, because financial institutions use more than one scoring method. I have a capital one credit card that I spend less than 100 dollars a month on. Credit Karma is perfectly accurate to check your account for. Equifax confirmed the blunder on Tuesday, saying in a statement that the errors were caused by a computer coding issue that has since been corrected. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. Is TransUnion or Equifax More Accurate? Both Equifax and TransUnion are well-established, reputable credit bureaus that provide accurate and reliable information to lenders and consumers alike. The resulting scores and your credit file are used to determine your risk factor for future loans. Is 660 a good credit score? 70% of U. S. FACTA was passed in 2003 as an amendment to the Fair Credit Reporting Act. Mail the form with your letter to: Experian. Both range from 300 to 900, which is the credit score range in Canada. Your credit score is a three-digit number meant to reflect the risk you could pose to a lender when you borrow money. Final Verdict. GET STARTED. com and TransUnion are accessible to the vision impaired. What’s more important are the changes you observe over time in a single score and where that number puts you concerning other consumers. So Credit Wise is accurate; it’s just that it won’t necessarily give you an accurate idea of where your FICO score stands since it’s a different model. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Equifax has since come under scrutiny for violating the FCRA. Equifax sells its credit reports to lenders, credit card issuers, insurers, consumers, healthcare providers, utilities, and employers. Here’s how the score ranges are broken down: 800-850 – Excellent. Most importantly, my info on record was accurate and up to date. TransUnion, one of the big three credit reporting agencies, has agreed to pay $23 million in fines to settle. Equifax vs. It's also the least friendly to those just starting out building credit. , TransUnion and Equifax are widely considered to be just as accurate and important. Although Experian is the largest credit bureau in the U. Credit bureaus may report different information and a landlord can use any or all of the bureaus to get an idea of credit worthiness and financial management. Instead, it provides you with a TransUnion Vantage 3. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. There are three credit agencies: TransUnion, Equifax, and Experian. TransUnion phone number: 1-800-916-8800. , it’s not necessarily more accurate than the other credit bureaus. My equifax score increased to 759. Equifax and TransUnion are two of the most popular credit bureaus in Canada, and more and more people are seeking out their services as they go to apply for mortgages, loans, condo rentals, and more. And knowing which credit score is the most accurate can make a big difference when you're applying for credit. Get fast cash and improve your credit with LendingTree personal loans!The three major credit bureaus include Equifax, Experian and TransUnion. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. If you don't want to monitor your credit score yourself. Experian and Equifax are the two largest credit bureaus in the United States. 1 Credit Report with credit score costs Rs. , TransUnion and Equifax are widely considered to be just as accurate and important. This means that if there. FICO is a risk score calculated based on your debt history; there are at least 40 different. When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. Complaints submitted about the NCRAs accounted for more than 50% of all complaints received by the CFPB in 2020 and more. In 2021, Equifax, Experian, and TransUnion together reported relief in response to less than 2%. ”Through the end of 2023, the three major credit bureaus -- TransUnion, Equifax and Experian -- offer access to free weekly credit reports. Which is more accurate TransUnion or Experian? TransUnion: The Bottom Line. Barclays uses a FICO score — the score most lenders use. Here is the main phone number for each of the three major credit bureaus. Depth of credit: 21%. Here are the easy steps: Login to your RBC Online banking. Credit reports from annualcreditreport. 0 and VantageScore 4. Based in. To access these free reports, go to this site. Is Equifax more accurate than TransUnion? It is difficult to definitively answer the question of whether Equifax is more accurate than TransUnion. Review your credit reports. Equifax, and TransUnion Support U. Equifax, TransUnion and Experian remain the three largest consumer credit reporting agencies. The following statement may be attributed to Stuart Pratt, President and CEO of the Consumer Data Industry Association, the trade association which represents Equifax, Experian, and TransUnion, in response to the credit reporting announcement made today by state attorneys general: “In March, the three nationwide credit reporting agencies. And while that definitely makes Equifax more attractive, it still doesn’t change the fact that TransUnion may have different information that is just as important to be aware of. 0, which is used. The big three consumer credit bureaus most people are familiar with include TransUnion, Equifax, and Experian. Protect what you’ve built with Credit Lock Plus, and rest easy with up to $1MM in ID theft insurance. This is a newer scoring model created through a collaboration among the three major credit bureaus to devise. We all collect similar information, and a lot of it overlaps, but scores can vary for a number of reasons. There isn’t one “more accurate” report. The three major credit bureaus Equifax®, TransUnion®, and Experian® own VantageScore, and it was created in 2006 to give more people access to a credit score. One other thing to note is that the length of your credit history used by the 2 credit bureaus is different as well. 3/5:. with TransUnion. Cancel at any time, no partial month refunds. Available for free with monthly updates on Paisabazaar. Hot Tip: You must request the free reports within 60 days from the date of the suspected wrongful action. The VantageScore was developed by the big three credit bureaus (Experian, TransUnion, and Equifax). Good Credit. Internet scanning to detect use of. Currently, no one credit bureau is considered to be more accurate than the other. TransUnion is currently offering free. consumers submit complaints about negative but otherwise accurate information. S. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. It is a useful tool for monitoring credit before major. In both cases, higher. We encourage you to call the VA at (877)-881-7618 if you have outstanding medical debt that you think is the responsibility of the VA, and the staff will work with you to find a resolution. N> and Equifax Inc <EFX. By law, consumers can submit complaints about incomplete or inaccurate credit reports to the CFPB. Scores of 630 to 689 are fair credit. The credit bureaus manage records on your accounts, balances and the payments you make. While Experian is the largest bureau in the U. 1. 800-685-1111. Again, you have alternative options where you can check your credit score for free, like Credit Karma. Request your free credit reports. Learn more. Equifax operates an 81-month credit history while TransUnion checks your data to as far back as over 24 months. Equifax: Which Is More Accurate? Which Credit Score. S. O. TransUnion also has a premium product, called TransUnion Credit Monitoring, that allows you to lock your credit reports with both TransUnion and Equifax — but it costs $29. Equifax comparison, both rely on some of the same. Experian phone number: 1-800-493-1058. One of which is that they use different algorithms to calculate your credit score. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. Despite being commonly used to report Canadians' credit scores, TransUnion comes up. Experian Credit Reporting and TransUnion Credit Reporting are very close in quality and have the same overall rating. 0® by Experian. TransUnion will put more weight on your employment history. Both Transunion and Equifax say the score is based on date as of 9/22/16 but experian says based on data as of 9/2/2016. Understanding these distinctions can help individuals make informed decisions. The most accurate report in any individual case is the one that has the most complete information. VantageScore, which was created collaboratively by the big 3 bureaus in 2006, claims to be more accurate. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. Over time, credit scoring models are updated to attempt to increase their accuracy. Just look for "Equifax Credit Report" on your myEquifax dashboard. $29. 0 scoring model . Box 105281. Get notified when there are important changes to your credit reports. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. ] — To build credit so as to prepare to buy a house or land or both. Two of. At first, VantageScore credit scores featured a different numerical scale (501 to 990). You will need to provide copies of two pieces of acceptable identification, such as a driver's licence or passport. Based on our analysis, Experian provides the best service for the money. Fee Details. regulator on Tuesday ordered credit reporting agencies TransUnion <TRU. Unlimited access to TransUnion credit report and score. 6/5 ( 59 votes ) If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. This free service was first introduced at the o. Click “ View Your Credit Score ”. This gives an indication of your credit worthiness and how likely you are to be accepted for credit products in the future. 70% of U. For a fraud alert, you only need to contact one bureau and that bureau will notify the other two. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. Which credit score is more accurate Experian or TransUnion? Experian's free credit score is the FICO Score 8, the score most lenders use. Suzanne Kvilhaug. The Consumer Financial Protection Bureau ordered TransUnion and Equifax to pay more than $23 million in fines and restitutions "for deceiving consumers about the usefulness and actual cost of. The five main components of an Equifax credit report are personal information, credit accounts, inquiry information, bankruptcies and collections accounts. Three major credit reporting agencies collect your financial information and compile it into a report — TransUnion, Equifax and Experian. FICO ® Scores are used by 90% of top lenders, so a FICO ® Score is a pretty accurate reflection of your creditworthiness as a lender might see it. Is TransUnion more accurate than Equifax? Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. S. Credit reports contain information about people’s identity, credit history and credit activity as well as information from public records. 95/mo after Go to Site More Details. This is one of the least forgiving bureaus because much more weight is assigned to your payment history and the average age of your credit accounts. FICO says 90 per cent of Canadian lenders use it, including major banks. Equifax. One of the most evident differences between these two bureaus is that. Many credit card companies, banks and loan companies have started providing credit scores for their customers. 95 a month. These agencies include Equifax, Experian, and TransUnion. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that. 0 credit scores from Equifax and TransUnion over time, you can have an easy point of reference to gauge your overall credit health. S. 0.