It really depends on the bank and type of loan. Some will use all three, some only one, some use the middle or lowest or average. Most banks use FICO scores, although some use their own scoring method.

It is likely that all three of the scores you listed are NOT FICO. Equifax uses FICO. You can also get FICO scores for Equifax and TransUnion at MyFico.com. Consumers cannot get a FICO score for Experian anymore.

TransUnion and Experian sites use Vantage scores (scale to 990 vs FICO’s 850) or each has their own Fakko scoring system. Third party monitoring services use Fakko scores.

Your scores are pretty low and you will probably have problems getting approved for a bank loan.

Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at

Each credit bureau has its own formula and, since all creditors do not subscribe to all bureaus, each bureau has a unique collection of data as a starting point.

Then there is the fact that each bureau has multiple formulas. Which formula is used when a creditor request comes in? It’s what the creditor wants. A score that predicts a good credit card customer doesn’t necessarily predict a good car loan customer or a good mortgage customer. That’s why there are multiple formulas around. And then some places, like American Express and the major retailer that I used to work for just buy the raw data and use their own internal scoring system.

I know this isn’t the answer you wanted, but this really is the way t works. Sorry.

Get your free credit report from all the 3 major companies at

They are separate businesses and all of them have different ways of calculating your score.

Also, not all creditors report to all of the credit bureaus.

you can not make them list all of your accounts. If creditor A reports only to Equifax, you can not make them report to Experian and Trans Union. You also can not make Trans Union and Experian list accounts that have not been reported to them by a creditor.

Each credit company works a bit differently.

One thing to do is follow the process of TransUnion to complain about what’s on your report.

Hi.
This company will definately help you as they deal with bad credit:

Your suppose to contact the ones you feel are in error and make corrections.

Depends on your bank. Why are they so different? Maybe you should check all 3 reports and make sure they all have the same information.

Some look at the middle, some look at the average, some look at all three. That is up to the bank. Each bank has their own policy on this.