What credit agency is used most often by mortgage and banks? My credit score differs by quite a bit between agencies.
by 
JilldoQ
ANSWERS: 3
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They use the combination of all three for your credit score.
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Most creditors will check all three credit bureaus (Equifax, Experian, and TransUnion). They will usually either take the middle or the average of your FICO scores to determine if you're eligible for the loan/line of credit. Do you know why your scores vary so widely? Did you check your FICO scores or the "credit scores" the credit bureaus were selling? (The "credit scores" will vary because they're based on different algorithms, whereas a FICO score is calculated by the information on your credit report using the formula developed by Fair Isaac Corporation.) If you purchased FICO scores, is there incorrect information on your credit reports? Do some accounts only report to one or two bureaus? Is there negative information that should have been removed from your credit report that for some reason or another (by no fault of your own) was not removed? If all of the information is the same on your credit reports, you should (hypothetically) have the same score.
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I was a credit analyst for 9 years at a major credit card. Honestly, the FICO score was only an indicator and was not typically used for approving or rejecting credit applications. We had used employment (professional, student, middle management, etc) previous loans/credit, and length of opened accounts to determine worthiness.
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