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🚫Why Your Credit Scores Don’t Match — Understanding Equifax, Experian & TransUnion
Episode Title: Why Your Credit Scores Don’t Match — Understanding Equifax, Experian & TransUnion
Show: The Griffin Generational Wealth Series Podcast
Produced by: Derrick Griffin, iThinkiCan™ Solution & Services LLC
Hosts: Special thanks to our Host & Co-Host
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🎙 Episode Summary
In today’s deep-dive episode, our AI hosts break down one of the most confusing topics in personal credit: why your scores are different across the three major credit bureaus — Equifax, Experian, and TransUnion.
This episode demystifies:
How each bureau collects and updates your financial data
Why lenders do not report to all three agencies
How different scoring models (FICO vs. VantageScore) impact your numbers
Why timing matters and how score fluctuation actually works
What your different scores really mean for lenders, approvals, and rates
Whether you're rebuilding your credit or optimizing for major purchases, this breakdown will help you understand the system — and use it to your advantage.
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đź“Š Key Takeaways
The three credit bureaus are independent companies with separate databases.
Your lenders may only report to one or two bureaus — causing natural score differences.
Scoring models vary, meaning Experian may use a different version than TransUnion.
Updates happen at different times, so scores rarely match perfectly.
A difference of 10–40 points across bureaus is normal — not a red flag.
Lenders choose which bureau they pull from depending on industry and region.
---
đź’ˇ What You'll Learn
How to interpret your three credit scores correctly
What causes sudden jumps or dips across bureaus
How to monitor all three reports for accuracy
How to dispute errors the right way
Why credit is a tool — not a fear tactic
Steps to improve all three scores faster and more strategically
---
🔊 Mid-Episode Sponsor
This episode is sponsored by TONA Activewear — apparel designed for Girls Who Gym™.
Created by one of Lululemon’s original designers, TONA leggings deliver unmatched performance, confidence, and style through moisture-wicking fabrics, sculpting support, and 4-way stretch technology.
Listeners love them:
“The best leggings I’ve ever owned.”
“It’s like a push-up bra for my butt!”
“Second-skin comfort. Perfect for every workout.”
Get the last black leggings you’ll ever need at ➡️ https://tonaactive.com
Use promo code BLUEPRINTWINS for 15% OFF or more.
⚠️ The podcast may
receive a commission from this sponsor, which helps fund future educational content.
View all episodes
By Derrick D. GriffinEpisode Title: Why Your Credit Scores Don’t Match — Understanding Equifax, Experian & TransUnion
Show: The Griffin Generational Wealth Series Podcast
Produced by: Derrick Griffin, iThinkiCan™ Solution & Services LLC
Hosts: Special thanks to our Host & Co-Host
---
🎙 Episode Summary
In today’s deep-dive episode, our AI hosts break down one of the most confusing topics in personal credit: why your scores are different across the three major credit bureaus — Equifax, Experian, and TransUnion.
This episode demystifies:
How each bureau collects and updates your financial data
Why lenders do not report to all three agencies
How different scoring models (FICO vs. VantageScore) impact your numbers
Why timing matters and how score fluctuation actually works
What your different scores really mean for lenders, approvals, and rates
Whether you're rebuilding your credit or optimizing for major purchases, this breakdown will help you understand the system — and use it to your advantage.
---
đź“Š Key Takeaways
The three credit bureaus are independent companies with separate databases.
Your lenders may only report to one or two bureaus — causing natural score differences.
Scoring models vary, meaning Experian may use a different version than TransUnion.
Updates happen at different times, so scores rarely match perfectly.
A difference of 10–40 points across bureaus is normal — not a red flag.
Lenders choose which bureau they pull from depending on industry and region.
---
đź’ˇ What You'll Learn
How to interpret your three credit scores correctly
What causes sudden jumps or dips across bureaus
How to monitor all three reports for accuracy
How to dispute errors the right way
Why credit is a tool — not a fear tactic
Steps to improve all three scores faster and more strategically
---
🔊 Mid-Episode Sponsor
This episode is sponsored by TONA Activewear — apparel designed for Girls Who Gym™.
Created by one of Lululemon’s original designers, TONA leggings deliver unmatched performance, confidence, and style through moisture-wicking fabrics, sculpting support, and 4-way stretch technology.
Listeners love them:
“The best leggings I’ve ever owned.”
“It’s like a push-up bra for my butt!”
“Second-skin comfort. Perfect for every workout.”
Get the last black leggings you’ll ever need at ➡️ https://tonaactive.com
Use promo code BLUEPRINTWINS for 15% OFF or more.
⚠️ The podcast may
receive a commission from this sponsor, which helps fund future educational content.