does experian or chase give me a more accurate credit score? they’re both 50 away from eachother rn and idk which one to take seriously

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Are you comparing FICO and VantageScore? Experian is probably giving you FICO and that is the more relevant one. Both are accurate because they are weight criteria differently and both are provided by the three rating agencies.

It’s a little bit of a black box but generally, FICO is the “traditional” credit score. VantageScore is the rating agencies’ attempt to put less emphasis on length of history.

FICO is still the gold standard as I understand it. If you are young I’d bet your vantage is higher.

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Experian is a credit reporting agency (one of the big 3). Chase is just giving you a number that they made up.

Experian provides Chase’s VantageScore data.

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