Your credit rating of me

[Sexbait25]

• Why is the number you have lower than what equifax is reporting which is 638

[Anonymous_]

Did you check your credit score with Turbo? --> https://turbo.intuit.com/

Equifax uses its own credit scoring model (see link below) so that may account for the disparity.

https://www.equifax.com/personal/help/what-is-difference-between-fico-score-and-equifax-credit-score...

[Opus 17]

FICO, the “official“ credit score, offers more than 50 different scores for an individual, because the three credit bureaus contain different information about you, and because FICO offers several different mathematical models focusing on different types of credit.  Turbo returns a TransUnion “vantagescore”, which is based on a slightly different mathematical model, using TransUnion data only, and should be similar to, but not identical to, any particular FICO score.

You never have one “correct” credit score. All credit scores are slightly different ways of measuring your credit worthiness that can be used by a lender if you were to apply for new credit.