Finally in the 700 Club

JustinS · ‎03-12-2014

After several years of rebuilding all 3 scores are now seemingly stable above 700 for the moment.

EX: 743 (myFICO 2-24-2014)

EQ: 720 (myFICO scorewatch 3-12-2014)

TU: 755 (Barclays FICO 3-8-2014)

Just curious however is anyone else noticing EQ scoring a littler lower/harder as well? Seems like they're consistently the lowest score for me (relatively speaking). Only differences on my reports seem to be mortgage related (1st and 2nd mortgages show on EX and EQ but not TU).

vpae · ‎03-12-2014

Congrats!! Took me a long time to rebuild my credit so I understand and I'm excited for you!

And I think it varies per individual. How many inq are on each? It also depends which version of the report they are using.

12/19/19

06/11/20

07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs

j_gizibe · ‎03-12-2014

YAY!!! Congratulations!!! I can't wait until I can join!!!

fot1 · ‎03-12-2014

Congrats... I have been bouncing over under 700 all year.. AND EQ is currently my highest by about 35 points with all havving the same accounts.. Think EX has a inquiry or two more.. lol

Too many to list..

gdale6 · ‎03-12-2014

Congrats to your success

JustinS · ‎03-12-2014

@vpae wrote:
Congrats!! Took me a long time to rebuild my credit so I understand and I'm excited for you!

And I think it varies per individual. How many inq are on each? It also depends which version of the report they are using.

off hand I think my TU actually has the most inquiries. Granted I hadn't thought of inquiries which do effect scores plenty also.

BigBS · ‎03-12-2014

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Irisa · ‎03-12-2014

@JustinS wrote:
After several years of rebuilding all 3 scores are now seemingly stable above 700 for the moment.
EX: 743 (myFICO 2-24-2014)
EQ: 720 (myFICO scorewatch 3-12-2014)
TU: 755 (Barclays FICO 3-8-2014)

Just curious however is anyone else noticing EQ scoring a littler lower/harder as well? Seems like they're consistently the lowest score for me (relatively speaking). Only differences on my reports seem to be mortgage related (1st and 2nd mortgages show on EX and EQ but not TU).

Congrats on the scores!

In my case, EQ is the highest. It's probably because it shows less inquiries.

mrgoattoo · ‎03-13-2014

@JustinS wrote:
After several years of rebuilding all 3 scores are now seemingly stable above 700 for the moment.
EX: 743 (myFICO 2-24-2014)
EQ: 720 (myFICO scorewatch 3-12-2014)
TU: 755 (Barclays FICO 3-8-2014)

Just curious however is anyone else noticing EQ scoring a littler lower/harder as well? Seems like they're consistently the lowest score for me (relatively speaking). Only differences on my reports seem to be mortgage related (1st and 2nd mortgages show on EX and EQ but not TU).

Congrats!

I just finally cleared the 800 hurdle this morning that Ive been working on for two years.

I think I noticed the same thing before about Equifax numbers being lower. Frankly I dont know why EQ and EX even bother. Every lender Ive gotten a card from the last 4 years or so has used TU. No offense to the others but TU seems to be king of the hill for the most part. I kind of wish the other two would just give up the ghost and disappear so we only had one score to worry about. 3 credit scores is just ridiculous.

TU FICO average 819

JustinS · ‎03-13-2014

@mrgoattoo wrote:
@JustinS wrote:
After several years of rebuilding all 3 scores are now seemingly stable above 700 for the moment.
EX: 743 (myFICO 2-24-2014)
EQ: 720 (myFICO scorewatch 3-12-2014)
TU: 755 (Barclays FICO 3-8-2014)

Just curious however is anyone else noticing EQ scoring a littler lower/harder as well? Seems like they're consistently the lowest score for me (relatively speaking). Only differences on my reports seem to be mortgage related (1st and 2nd mortgages show on EX and EQ but not TU).
Congrats!

I just finally cleared the 800 hurdle this morning that Ive been working on for two years.
I think I noticed the same thing before about Equifax numbers being lower. Frankly I dont know why EQ and EX even bother. Every lender Ive gotten a card from the last 4 years or so has used TU. No offense to the others but TU seems to be king of the hill for the most part. I kind of wish the other two would just give up the ghost and disappear so we only had one score to worry about. 3 credit scores is just ridiculous.

Noticed that as well with alot of lenders pulling TU - both local banks and the CU I deal with exclusively pull TU's score. Granted Amex does EX and Chase pulled EX and EQ I think... so it can be a YMMV type deal pending where you reside.

I'm leaning towards the inquiries and the way each FICO we're provided scores inquiries - I'd wager some FICO algorythms age them off more quickly? (I reserve the right to be proven wrong obviously but it just sounds like a logical explanation). Granted right now my file has gotten much thicker recently (added another 4 TL's recently and got CLIs on 3 existing so far). Overall my credit health improved tons over the past year just.