Hi all,

we are newcomers buying a condo in November 2024. We have been told to be careful about our credit score and if possible have it above 680 for when we talk mortgages in the summer. We have been here 2 years and I have been quite busy getting lots of credit cards and taking advantage of newcomer offers, but will not get any new cards for the next 12 months.

What puzzles me is that my Transunion score is 754 and my Equifax is 662, I was told that they should be roughly the same?

I have not had any late payments nor used more than 30% of any cards the last 9 months.

If I can fix my equifax score, is there any way to find out whether a borrower checks my Transunion score rather than my Equifax and then only go for them?

Thanks all