Credit reports play an important role in your financial life and we encourage you to regularly check your credit history. beekeeper1981 • 9 mo. Equifax is the largest credit bureau in the. 95 per month, as mentioned above. 0 credit scores from Equifax and TransUnion over time, you can have an easy point of reference to gauge your overall credit health. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) — Equifax, TransUnion and Experian — by. Since the number of hard inquiries is a factor in calculating your Credit Score, this could. 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. Between them, TransUnion and Equifax must pay a total of more than $17. S. Depth of credit: 21%. National Mortgage Professional, an industry publication, first reported the glitch in May. Of these complaints, more than 700,000 were submitted about Equifax, Experian, or TransUnion. TransUnion VantageScore 3. That applied to both individuals and family plans. It's also the least friendly to those just starting out building credit. Experian: 300–850. It should really a be a right to have free credit score access all year around (not just once a year for all 3) Considering Transunion and Equifax are extremely wealthy, they should be providing their scores for free like Experian. The service updates every 7 days, providing regular insights into credit standing. The big three consumer credit bureaus — Equifax, Experian, and TransUnion — create consumer credit reports that companies can use to assess the creditworthiness of individuals. Similarly to. Create or sign into your free MyEquifax account to file a credit dispute on your Equifax account. Equifax is generally considered the most accurate, because it uses what’s called a “true credit reporting model. It’s important to keep in mind that credit scores can vary among the. A “good” score may rest in the 661 – 720 range. Know your score. The reports you see on Credit Karma may not be exactly the same, but they should at least be accurate. TransUnion is bringing up the rear among the three. ”. The best credit monitoring services offer triple-bureau protection, meaning they monitor all three of the major credit bureaus —Experian, Equifax and TransUnion. Suzanne Kvilhaug. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better. Learn more. The monthly fee for this service is $9. 0 score is the same type of credit score provided by. S. Which is more accurate Experian or Equifax? The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. Generally, both bureaus use the 300 – 900 score range for evaluation. So, your credit reports from Experian, Equifax, and TransUnion may vary, and the corresponding scores could also be different. $29. There isn’t one “more accurate” report. more-accurate insight into your borrowing and payment patterns. 95/month for two adults. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. N> and Equifax Inc <EFX. Experian and Equifax are the two largest credit bureaus in the United States. Free weekly online credit reports are available from Equifax, Experian and TransUnion. Regularly checking your credit reports can help you be more aware of what lenders may see. Unlimited access to TransUnion credit report and score. The FICO Score ranges from a low of 300 to a high of 850. 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. No one agency is more accurate than the other. This trio dominates the market for collecting information about consumers in the credit markets. Below are three VantageScore 3. Reporting. Which credit report is most accurate? Although Experian is the largest credit bureau in the U. Since the information on your credit reports at each bureau can differ, your Equifax credit. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. 3/5:. As credit reporting agencies, they are governed by the Fair Credit Reporting Act (FCRA), a piece of legislation that governs credit bureaus, tenant screening services, and other consumer reporting agencies. 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. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. Equifax. Protect your credit. Consumers also have a VantageScore, which is the combination of your credit score from Equifax, Experian, and TransUnion. 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. Year-over-year quarterly sales growth most recently was 3. about transunion TransUnion is a global information and insights company with over 12,000 associates operating in more than 30 countries. Jeff Richardson, vice president of marketing and communications with. Learn how credit bureaus collect and use your information to create credit. Fair: 580 to 669. Equifax. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. Experian is one of the three major credit bureaus, along with Equifax and TransUnion. Different Information Provided to Each Bureau. Instead, it provides you with a TransUnion Vantage 3. Request your free credit reports. Based on our analysis, Experian provides the best service for the money. A credit report dispute is when you ask Equifax to investigate information on your credit report that seems inaccurate or incorrect to you. Is TransUnion more important than Equifax?. Transunion vs Equifax - Which Credit Score Matters More? (…Credit scoring model used: There are several models out there for scoring. As well as the credit score and rating, Equifax also produces a credit. Is CreditWise Accurate? CreditWise uses TransUnion’s VantageScore 3. This works in a similar way to the arrangements TransUnion. TransUnion offers more insight into a person’s job history, whereas Equifax provides more information about mortgage history. TransUnion Credit Score. It's a very expensive product so it seems fair to expect it to be accurate. complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service. When people obtain their credit score through Transunion and Equifax, they are often surprised to see a different credit score from each bureau. While all three are significant, Equifax and TransUnion are often highlighted as the 2 major credit bureaus due to the frequency with which consumers compare their scores from these two. You can get free Equifax credit reports at annualcreditreport. Depth of credit: 21%. The FCRA gives individuals the right to see their own credit report. The Equifax credit score is based on credit data from Equifax, while the FICO score is based on credit data from all three major credit reporting agencies. Those reports are a key part of your credit score, and it's what banks and creditors pull when you apply for a credit card, loan or other lines of credit. The most accurate report in any individual case is the one that has the most complete information. Currently, no one credit bureau is considered to be more accurate than the other. creating more personalized recommendations and savings. So it is not so much that. Based in. The three major credit bureaus, Equifax, Experian. 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. 95 USD per month for membership, and all subscribers receive credit report monitoring, daily access to the VantageScore credit score that we previously mentioned, daily assistance from an ID restoration specialist to help subscribers recover from identity theft, and finally, up to 500. 0/4. The monthly fee for this service is $9. Those are TransUnion, Equifax and Experian. Regular checks ensure the information stays accurate. The most accurate credit bureaus. TransUnion and Experian, on the other hand, use a “reactive credit reporting model. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. Stay up to date. It also provides scores for those with limited credit history. , TransUnion and Equifax are widely considered to be just as accurate and important. In 2021, Equifax, Experian, and TransUnion together reported relief in response to less than 2%. Enjoy no monthly fees ¶, use eligible bills to raise your credit scores ø and more. — In my efforts to build credit. Experian is kind enough to offer their FICO 8 score for free while Transunion and Equifax don’t. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. 5% net profit margin. The Bottom Line. Introducing the new Experian Smart Money ™ Digital Checking Account, designed by credit experts. A credit scoring model like FICO or VantageScore evaluates your Equifax credit report and. O. You should regularly review things on your credit report, such as personal information, credit accounts, collections, bankruptcies, and credit inquiries. TransUnion differs in credit history length. It also provides links to downloadable forms. The most accurate report in any individual case is the one that has the most complete information. Equifax comparison, both rely on some of the same. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 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. Which credit score is more accurate Experian or TransUnion? Experian's free credit score is the FICO Score 8, the score most lenders use. Speaking from a man who has just been through the whole mortgage paradox. 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. Find out the pros and cons of each credit bureau, and how to protect your credit report and score from fraud and identity theft. VantageScore, which was created collaboratively by the big 3 bureaus in 2006, claims to be more accurate. You can access your credit score from online credit score agencies. O. For a fraud alert, you only need to contact one bureau and that bureau will notify the other two. Make a postal request with Equifax. Get notified when there are important changes to your credit reports. One of the scoring models that TransUnion uses to calculate credit scores is VantageScore® 3. Experian fraud alert and credit freeze. When you apply for a loan, request an increase on your credit limit or even apply for a new job, your credit report will likely come into play. Equifax: 280–850. 0/5: 4. Determining your score is more complicated than just weighing the different aspects of your credit. Choosing between Equifax and TransUnion as to which credit bureau is more accurate. TransUnion will put more weight on your employment history. Some aspects of your credit score aren’t completely within your control. Learn more below about what a charge-off is and how it may impact your. 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. Box 740256. Equifax and TransUnion. Similar to TransUnion, Equifax should be capitalized when used in a sentence as it is a proper noun. 6 Their services allow you to monitor your VantageScore credit score but not your FICO score. 95/month for two adults. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. ago. VantageScore was founded in 2006 by Equifax, Experian and TransUnion. 0 adopted the same. In the past, I have seen the same thing happen, but the month after TransUnion was back at the level it was. ] — To build credit so as to prepare to buy a house or land or both. Which is more accurate Experian or Equifax? 2 Experian has a slight edge over Equifax because it tends to track recent credit searches more thoroughly. Another difference is that the Equifax credit score is. Score: 4. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. But in reality, nearly 50 companies appear on the Consumer Financial Protection Bureau’s list of consumer reporting companies. 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. Because of this they are able to score 30 million more people than most models. Source: By these. Credit Karma reports a 706, while Discover reports a 731, should I consider the one on my bill more accurate? Anyway, on to the real question, I. Fee Details. 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. Talk to a credit or housing counselor. By comparing the different reports from each agency, you can make a more informed decision. A CFPB investigation concluded that Transunion and Equifax deceived Americans about the reports they provided and the fees they charged. Both range from 300 to 900, which is the credit score range in Canada. Score: 4. On Credit Karma, you can get your free VantageScore® 3. FACTA was passed in 2003 as an amendment to the Fair Credit Reporting Act. 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. 0 and VantageScore 4. There has been nothing new on my Equifax credit report. consumers submit complaints about negative but otherwise accurate information. To dispute ID theft-related errors, follow these steps: Place a fraud alert: Contact one of the three credit bureaus (TransUnion, Experian, or Equifax) to place a fraud alert on your credit report. Reactions: GXSINGH and doge. Equifax: Which Is More Accurate? Which Credit Score. You always want to make sure the information in each file is fully accurate, regardless of scoring model used. 0. 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. , it’s not necessarily more accurate than the other credit bureaus. 95 per month, which makes monitoring your TransUnion credit score a little more expensive. Key Takeaways. Based on our analysis, Experian provides the best service for the money. 0, which is used. GXSINGH Full Member. Free Credit Reports. Message 7 of 9 0 Kudos Anonymous. The VantageScore was developed by the big three credit bureaus (Experian, TransUnion, and Equifax). Again, you have alternative options where you can check your credit score for free, like Credit Karma. 300-900. Whichever credit agency from which your lender chooses to source information will be the accurate choice for that particular lender. 0 score. Why is my Equifax score so low? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal. Your good credit will be. Equifax vs. Credit Score Range. It offers a quick glance at your credit health and history of paying back your debts. Equifax uses a credit score range of 280-850. com and TransUnion are accessible to the vision impaired. It’s impossible to say which credit reporting agency, TransUnion, Experian, or Equifax, is more accurate since all three agencies use similar methods to collect and report credit information, but may differ in their scoring models and data sources. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. This company weighs your payment history and credit age more so than the other two credit bureaus. 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. TransUnion just dropped 20ish points while Equifax got 3 points higher. Do lenders use Experian or Equifax more? Lenders may purchase credit. The most accurate credit scores are the latest versions of the FICO. Some lenders don’t report a consumer’s activity to any. P. All consumers are entitled to one free. 18. The "Most" accurate is a MyFico account, which will give you all the FICO scores used for various decisions (Fico 8 is really only used for credit card/non-home loan decisions). The TransUnion TransRisk score ranges from a low of 300 to a high of 850, where 850 is considered to be excellent. Equifax My experience was the exact opposite to that of Ashby Corner (posted June 2009) when dealing with both Transunion and Equifax. This model scoring scale starts at 300 (the lowest) and caps at 850. $29. A new analysis by the Consumer Financial Protection Bureau (CFPB) reveals how changes in complaint responses provided by nationwide consumer reporting companies resulted in fewer meaningful responses and less consumer relief. Equifax provides you with an overall credit score, expressed as a number between 0-1000. com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. S. Based in Atlanta, Georgia, and founded all way back in 1899, Equifax collects and reports information on more than 800 million people, and nearly 90 million businesses around the world. How Accurate is Your Credit Karma Score? Your Credit Karma score, which is generated using the VantageScore model and data from TransUnion and Equifax, is updated every week, so it should be accurate. Equifax offers a variety of credit monitoring services priced from $4. Find a credit score service. Free Credit Reports. Credit karma gives vantage scores, not Fico, which is why you don't need to pay much attention to the actual score. P. Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Designed to meet the needs of financing companies and automobile dealers, the score predicts the likelihood of a prospect or existing loan holder becoming 60 or more days delinquent in a 12-month period. This is similar to Equifax, and you will get detailed information on your credit report and score. Read the legal disclaimers and click on “Continue”. The law sought to better protect consumers from fraud and identity theft and to ensure accurate credit reporting. 2. So is Credit Karma going to give you an accurate credit score? They should be pretty close. Here are some frequently asked questions people ask about their TransUnion and Equifax scores. Most people identify Equifax as a consumer credit bureau but are less familiar with our marketing services capabilities. 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. 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. When it comes to credit scores, however, lenders prefer FICO Score by. FICO is a separate product issued by a separate company. There are many different credit scores, and each may be calculated. Checking your credit score is considered to be a “soft inquiry. Check your credit scores and reports from each bureau annually to ensure all the information is accurate. As the company has continued to grow the scores have become more and more trustworthy. A score of 720 or higher is generally considered excellent credit. Which Credit Bureau Is Most Accurate? In the U. 6/5 ( 26 votes ) Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Some people want to achieve a score of 850, the highest credit score possible. For example, your credit card utilization rate is considered a high-impact factor in both. Just remember that none of your free credit reports include your credit score. If not, Credit Karma & Borrowell are your main go to then. 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. What’s more important are the changes you observe over time in a single score and where that number puts you concerning other consumers. (the other two are TransUnion and Equifax), it's not the same as a FICO score, which is what lenders use when they pull your credit report. There isn’t one “more accurate” report. Highlights: Regularly checking your credit reports is a good way to ensure information is complete and accurate. Skip Navigation. 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. Blog. Mail the form with your. Inaccurate information can appear on any of your credit reports if it is reported incorrectly by your lender or is a. Credit bureaus are different from credit-scoring companies, such as VantageScore® and FICO®. 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. Checking your TransUnion credit report can help you understand what lenders may see if they check your credit. Final Verdict. Understanding credit score ranges. Both companies collect credit information on individual consumers, which they sell to lenders and. Therefore, there are other reasons why the numbers. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. You can also file a free dispute with the three nationwide credit bureaus. Experian breaks down a credit. Image: Credit-Building-1. Learn more about the factors that affect your FICO score and how to get it for free. Transunion. S. The main difference is Experian grades it between 0 – 1000, while Equifax grades the score between 0 – 1200. These companies are Equifax, TransUnion, and Experian. The only purpose of making it so difficult is to try and earn more money and take advantage of the consumer. The Equifax Online Self-Service portal provides information on obtaining a credit report, disputing inaccuracies in your Equifax credit report, and managing fraud alerts and security freezes. Good credit: 700-749. Each score can be different depending on various factors, such as scoring models, information sources, and time periods. Most Important Credit Score for an Auto Loan. VantageScore was created in partnership among all three credit bureaus — Experian, Equifax, and TransUnion. — I'd like to have 775+ score around this time next year. consumers' FICO ® Scores are higher than 650. The FICO score ranges from 300 to 850, with higher scores being better. Transunion Vs. Experian PLUS score: 330–830. The VantageScore model wasn’t introduced until 2006. 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. S. 164 (including taxes/handling charges). Up to $50,000 in identity theft insurance (exclusions apply for Quebec residents) Access to identity restoration specialists if fraud/theft occurs. But equifax and transunion also give Fico scores, you just won't get the from credit karma. The TransUnion Auto Score, an industry-specific risk score, offers more accurate predictions on non-prime and sub-prime applicants. Equifax and Transunion websites both give you vantage 3. Request your free credit reports. Here are a few ways: Check your credit card, financial institution or loan statement. TransUnion vs Equifax. In 2021, Equifax logged a record-setting $4. 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. 0 scoring model . 36. TransUnion and Equifax are two of the three main credit reporting agencies in the U. You can dispute by phone at 800-916-8800. Is TransUnion or Equifax more accurate? Neither TransUnion or. 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. — Transunion: 655 [ creditkarma. com . This will make it more difficult for the thief to. Mail the form with your letter to: Experian. You’ll be presented with the TransUnion CreditView Dashboard that shows your TransUnion Credit Score, how you compare to. Daily access to Equifax credit score. Credit and debt analysis personalized to your situation. Don’t be worried if that’s the case. 1. Equifax Canada Tel: 1. That applied to both individuals and family plans. In Nate’s case, Credit Karma was accurate enough to say that he had an excellent credit score, but wasn’t perfect. , but TransUnion and Equifax are thought to be just as accurate and important. These companies compile information about your credit into reports that are used to generate your credit. And in 2013, the company lost an $18. The nation’s consumer watchdog agency on Tuesday ordered the credit-reporting agencies TransUnion and Equifax to pay more than $23. This means that the Equifax credit score may differ slightly from the FICO score, as it is based on a more limited data set. If you see medical debt on your TransUnion credit report you think is the responsibility of the VA, go online to start a dispute. Blog. Experian and Equifax are the two largest credit bureaus in the United States. TransUnion’s emphasis on current information allows for a more up-to-date snapshot of a person’s credit standing, and includes newer credit data and alternative data sources like. Based in. The company uses several different formulas to calculate credit scores—including VantageScore 3. The three major credit bureaus—TransUnion ®, Experian ® and Equifax. Keep in mind, though, that your score’s accuracy is affected by whether your credit report is correct. 287 per share for the current fiscal year. Free monitoring services and. S. 0 scores. 5 million fine from the Federal Trade Commission in 2000. Keeping in mind the reasons above, double-check you TransUnion and Equifax credit reports to make sure there isn’t any incorrect information. Image: Alert-1. Which is more accurate TransUnion or Equifax? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. Here are the easy steps: Login to your RBC Online banking. There are also third-party credit monitoring services, such as MyFICO, Identity Guard, and LifeLock. You should file a credit dispute if you see. TransUnion provides the VantageScore 3. There are three credit agencies: TransUnion, Equifax, and Experian. FICO ® Score 4 is the version of the classic FICO ® Score offered by TransUnion. 0 credit score when you sign up for its credit monitoring service. The representative will tell. They should accurately reflect your credit information as reported by those bureaus — but they may not match other reports and scores out there. Based in Atlanta, Georgia, and founded all way back in 1899, Equifax collects and reports information on more than 800 million people, and nearly 90 million businesses around the world. Is Equifax more accurate than TransUnion? It is difficult to definitively answer the question of whether Equifax is more accurate than TransUnion. Check your credit scores and reports from each bureau annually to ensure all the. TransUnion phone number: 1-800-916-8800. 70% of U. Equifax uses data dating back 81 months (almost seven years of your financial history), while TransUnion’s model takes into account just your past 24 months (two years). When it comes to credit scores, however, there is a clear winner: FICO® Score is used in 90% of lending decisions. ”. TransUnion and Equifax are consumer reporting agencies; what they do is collect data about you and write your credit reports which show your debt history. com, or ACR for short, is a website that provides consumers with free access to all three of their credit reports. Next is how to file a dispute with Equifax. TransUnion had annual revenue in excess of $3. TransUnion and Equifax are two of the three major credit bureaus that generate credit reports and scores for lenders. 95/month. Equifax Credit Information Services, Inc. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. How Accurate is Your Credit Karma Score? Your Credit Karma score, which is generated using the VantageScore model and data from TransUnion and Equifax, is updated every week, so it should be accurate. One of the most evident differences between these two bureaus is that. Just look for "Equifax Credit Report" on your myEquifax dashboard. Here are the services that TransUnion. 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. You can get a free copy of your Equifax credit report to. Some people want to achieve a score of 850, the highest credit score possible. As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. , TransUnion and Equifax are widely considered to be just as accurate and important. 1 Credit Report with credit score costs Rs. 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. The actual service level is comparable with Equifax, but the subscription price is $10 per month lower than Equifax. 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. Cost of the Report. Follow this checklist to know what to look for on your Equifax credit report. Both FICO and VantageScore assign higher credit scores to consumers deemed as lower-risk borrowers, and both currently range from 300 to 850. It is important to check a reputable, accurate credit score because there are more than 1,000 different types of credit scores floating around. Consumers With Changes to Medical Collection Debt Reporting (Mar.