Better predict bankruptcies with a more powerful score - TransUnion 2025

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No credit score from any one of the credit bureaus is more valuable or more accurate than another. Its possible that a lender may gravitate toward one score over another, but that doesnt necessarily mean that score is better.
The Three Bureaus and FICO For example, an apartment manager who checks your credit may only look at Experian while a credit card company might only look at TransUnion. FICO was developed as an alternative to these bureaus. Many lenders prefer FICO because it paints a more holistic picture of the potential borrower.
Soft inquiries on your credit report do not impact your credit score. If you see a soft inquiry on your credit report, it means that you or a company checked your credit report.
Neither your TransUnion or Equifax score is more or less accurate than the other. Theyre just calculated from slightly differing sources. Your Equifax credit score is likely lower due to reporting differences. Nonetheless, a fair score from TransUnion is typically fair across the board.
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