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Regular Contributor
Posts: 226
Registered: ‎03-25-2007
0

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? :smileyhappy:
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

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
Posts: 8,183
Registered: ‎03-25-2007
0

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

And they all use slightly different scoring models as well, and take different times to update.
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Valued Contributor
Posts: 1,694
Registered: ‎08-07-2007
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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
Posts: 6,182
Registered: ‎03-29-2007
0

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
Posts: 9,252
Registered: ‎03-19-2007
0

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
Posts: 5,436
Registered: ‎03-10-2007
0

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
Posts: 313
Registered: ‎04-01-2007
0

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!!!!  :smileysurprised:

New Contributor
Posts: 74
Registered: ‎05-08-2007
0

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 :smileyhappy:  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
Posts: 77
Registered: ‎08-11-2007
0

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 :smileyhappy:  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!  :smileywink:   Mine are all the same as well except TU missing my HELOC.  Scores are also + -  20 points.  TU 742  EX 762  EQ 782   
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