I've been working very hard at increasing my credit score and i subscribe to a monthly score monitor through my bank (it's only $2.99 and through equifax only, which is currently at 626) so I decided to pull my other two credit scores yesterday. I have a 663 for TransUnion and a 593 for Experian. What the heck? Why is there such a huge difference between TU and Experian? Should I be worried?