TU has been traditionally a Midwest CRA, plus they have had problems with, shall we say, the stability of their reports. Hard inqs have been known to vanish much earlier than they should have. *And please, people, let's not get going on this, or inevitably, it will violate our TOS, and the thread will get flushed!*
EQ is pretty popular in the South, being headquartered in Hotlanta. However, EQ also does sometimes seem to lose its inqs, and it is especially plagued by split files, where there is too much data on one consumer to hold together, and the file "splits" --part goes one way, and part goes the other. When your EQ score starts going up and down and up and down by the same figure (43 points or whatever), it's time to think split file.
So anyway, between geographical preferences and product quality, TU does get lost in the dust.
If I were a lender, I would go with EX every time. Doesn't split, inqs don't vanish, pretty dang stable over time.
edit: meant to add, ByrdMan, who lives in Wisconsin, is cursed with having TU pulled preferentially almost all the time. Whereas in East Tennessee, it's all I can do to find someone, anyone, who wants to look at my TU report and score.
Message Edited by haulingthescoreup on
05-29-2008 04:31 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007