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Anyone have identical EQ, TU, EX reports?

Regular Contributor

Anyone have identical EQ, TU, EX reports?

All of my reports are different, but the scores are kind of close.  Does anyone have the same data on all three reports?  Is it the FICO the same? Smiley Happy
11 REPLIES
Moderator Emeritus

Re: Anyone have identical EQ, TU, EX reports?

The reports differ because creditors decide which one/s they want to report to. Just because they report to the CRA doesn't mean that they have to report to all 3. Some do/some don't.
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Super Contributor

Re: Anyone have identical EQ, TU, EX reports?

And they all use slightly different scoring models as well, and take different times to update.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Valued Contributor

Re: Anyone have identical EQ, TU, EX reports?

Nope- TU has almost all of my TL's and accounts and loans, EX and EQ have much less.
Moderator Emeritus

Re: Anyone have identical EQ, TU, EX reports?

None of my reports are the same.. but my EX and TU scores are identical right now. I should win a prize or something.
Moderator Emeritus

Re: Anyone have identical EQ, TU, EX reports?

All same except:
TU has 1 extra TL (lost/stolen CC)
EQ is missing a Mortgage (should have been re-inserted by now)

And EX does not have any of my old student loans.
Moderator Emeritus

Re: Anyone have identical EQ, TU, EX reports?

EQ for me is 9 years old EX is 8 and TU is 6
 
Lots of different things including a local student loan PIF on EQ that is not listed anywhere else. Plus a lot of CSF that only report to EQ.
Frequent Contributor

Re: Anyone have identical EQ, TU, EX reports?

Credit Summary  
 
Experian Equifax TransUnion  
Satisfactory accounts 18 10 14    
Now delinquent/derogatory accounts 0 0 0    
Was delinquent/derogatory accounts 3 4 3    
Public records 0 0 0  

 

 

Not even close!!!!  Smiley Surprised

New Contributor

Re: Anyone have identical EQ, TU, EX reports?

99% Identical. With the diference being TU missing one really old Car Loan Account.
 
The scores are a different story now Smiley Happy  But they are all +-20 Points different.  I belive the different is due to some accounts being market as open on EX and EQ where they are really closed.  TU is my lowest score.
 
Lets hear more stories,
 
Tavares
FAKO - EX: 749 | EQ: 769 | TU: 749
Contributor

Re: Anyone have identical EQ, TU, EX reports?



Tavares wrote:
99% Identical. With the diference being TU missing one really old Car Loan Account.
 
The scores are a different story now Smiley Happy  But they are all +-20 Points different.  I belive the different is due to some accounts being market as open on EX and EQ where they are really closed.  TU is my lowest score.
 
Lets hear more stories,
 
Tavares


We must have the same report!  Smiley Wink   Mine are all the same as well except TU missing my HELOC.  Scores are also + -  20 points.  TU 742  EX 762  EQ 782