Experian Credit Score Always 20 pts Lower Than Others

Is there any way to have Experian re-evaluate my credit score? I have a FICO of 804, a TransUnion of 799 and an Equifax of 797.

My Experian is at 777 and is always 20 pts below the others. The reasons they state for a lower score are all not applicable to my history.

Is there any way to have Experian re-examine my score?

Remember, a bad report costs you money. So, it pays to be thorough! You can either complete the dispute form provided with your credit report or write a letter. Clearly identify each mistake and state why it's wrong. A recommendation is to send a photocopy of your credit report with the mistakes circled to the reporting credit bureau. Include copies of supporting documents.

Document, document, document. Keep copies and records of all the forms, letters and documentation that you send the credit bureaus, plus dates sent. The credit bureau must investigate any relevant dispute within 30 days of receiving your letter. Any item that is not verified as accurate by a creditor is removed.

If the credit bureau makes any changes to your credit file, it will send you the results and a free, updated copy of your credit report. Once a negative item is removed from your report, the credit bureau cannot put it back on unless a creditor verifies its accuracy and completeness -- and sends you written notice.

Regards

Thank you.

Experian, Equifax and TransUnion each use a different formula to calculate your credit score. Your FICO (Fair Issac Corporation) credit score is different than the ones from the credit bureaus because it uses another formula.

In addition to using different formulas, they also use different scales which means they have different maximum scores. Remember in school when you had a test with 20 questions and you got 18 correct, your score was 18/20 (90%), yet when you had a test with 30 questions your score was 27/30 (90%). In both cases you have the same percentage, but different scores because the scales are different.

Hope this helps. Thats the simplest way i could explain the credit score difference.