Credit report scores varying from different credit checks?

Question

Using Cozy for credit checks and this persons credit turned up lower then what qualifies.

However this person sent me screen shots with the credit checks being different from different reporting companies and that the credit check experian didn’t even show up on her report

This person has been very honest and easy to work with and I’m inclined to believe this person but I’m skeptical.

Anyone have any experience with this?

I thought credit checks didn’t vary that much and even the two reports that show up from her screen shots vary in their numbers.

Am I being given the run around or does this happen sometimes?

Nathan Gesner · Answer

All three credit reporting agencies use different scoring criteria. It's completely normal to get three different scores.

Caleb Jordan · Answer

The scores can also be different based on the purpose. A credit report pulled for a mortgage lender is different than one pulled for a car loan because the risk factors used to generate each of those reports are different.

Jason D. · Answer

@Jonathan Watt credit can vary depending on who you pull from. I use cozy as well, but dont have a minimum score, just for that reason. But, if you've set a score as a qualification, you need to be careful going away from your standards. There is more risk of a fair housing violation if you start making exceptions

Credit report scores varying from different credit checks?

Credit report scores varying from different credit checks?

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