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Which CB agency gives you the highest score?

New Contributor

Which CB agency gives you the highest score?

I know that credit scores can vary depending on the credit bureau.  Just curious who here has the same trend, for lack of better words as I?  Here are my scores as of 6 Aug 07.
 
Transunion:  739
 
Equifax:  764
 
Experian:  714
 
Does anyone else feel that their Experian score doesn't change much?  My TU and EQ are constantly on the up but my EX hardly budges.  I paid off an installment loan back in March of 07 it was reporting to TU and EX.  My TU score went up about 10 points but my EX score hasn't budged. 
11 REPLIES
Established Contributor

Re: Which CB agency gives you the highest score?

Same here: ACTUAL FICO'S
TU=724
EQ=722
EX=708
Hard  getting points from EX though they are always quick to snatch them away. And unfortunately everyone seems to use EX for me. Averaged about 2 points per inquiry which could acount for the lag in score THIS TIME.
Regular Contributor

Re: Which CB agency gives you the highest score?

TransUnion
648 8/4/2007
649 7/8/2007
Equifax
609 8/2/2007
624 7/11/2007
Experian
657 8/7/2007
620 7/8/2007
 
There does seem to be lot of grumbling about EX, but as you can see,  I LOVE EX Smiley Happy
And they love me....
 
ctRob
 
 
Regular Contributor

Re: Which CB agency gives you the highest score?



usafjay wrote:
I know that credit scores can vary depending on the credit bureau.  Just curious who here has the same trend, for lack of better words as I?  Here are my scores as of 6 Aug 07.
 
Transunion:  739
 
Equifax:  764
 
Experian:  714
 
Does anyone else feel that their Experian score doesn't change much?  My TU and EQ are constantly on the up but my EX hardly budges.  I paid off an installment loan back in March of 07 it was reporting to TU and EX.  My TU score went up about 10 points but my EX score hasn't budged. 


Nice scores by the way.  Can't wait to join the 700 club...
 
ctRob
New Contributor

Re: Which CB agency gives you the highest score?

Thanks!  I was in the 550s with all 3 just a few years back.  After I started monitoring my credit, I had old items deleted. 
 
I had one account that was EXTREMELY bad (multiple 120+ late) but only about 4 or 5 years old.  I finally called them up and told them I was attempting to rebuild my credit and that I've been responsible for quite some time, and that when I opened my the account with them, I was young and made stupid mistakes, etc.  They were more than happy to contact the credit bureaus and get that account off! 
 
I encourage anyone that has something similar to this type of situation to see if their creditors will work with them.  It's obviously not a guarantee, but you have absolutely nothing to lose by trying.  Good luck!
Established Contributor

Re: Which CB agency gives you the highest score?



ctrob wrote:


usafjay wrote:
I know that credit scores can vary depending on the credit bureau.  Just curious who here has the same trend, for lack of better words as I?  Here are my scores as of 6 Aug 07.
 
Transunion:  739
 
Equifax:  764
 
Experian:  714
 
Does anyone else feel that their Experian score doesn't change much?  My TU and EQ are constantly on the up but my EX hardly budges.  I paid off an installment loan back in March of 07 it was reporting to TU and EX.  My TU score went up about 10 points but my EX score hasn't budged. 


Nice scores by the way.  Can't wait to join the 700 club...
 
ctRob



Yea, those are nice and I cant wait either ..sometime next year I declare I shall be there....
TU 662 EQ 644
EX 643
Regular Contributor

Re: Which CB agency gives you the highest score?



usafjay wrote:
I know that credit scores can vary depending on the credit bureau.  Just curious who here has the same trend, for lack of better words as I?  Here are my scores as of 6 Aug 07.
 
Transunion:  739
 
Equifax:  764
 
Experian:  714

Same goes for me...
 
EX: 715
TU: 725
EQ: 735

 
2/11/08: EQ 768
3/21/08: EX 738
2/20/08:TU 773
4/19/08: WaMu Pfico 804
TransRisk 807
Frequent Contributor

Re: Which CB agency gives you the highest score?

I hate EX... by far and away my lowest score. 40pts lower (that eq and tu) as of yesterday. Smiley Sad
Regular Contributor

Re: Which CB agency gives you the highest score?

Not with me. TU Rock for now.
TU---722
EX---658
EQ---639
TU: 576 EQ: 570 EX: 593 1/10/15
TU: 690 EQ: 687 EX: 702 . 2/28/17


TU 707 EQ 688 EX 707 10/5/17
Moving on up (750)
Established Contributor

Re: Which CB agency gives you the highest score?

TU - 643
EQ - 660
EX - 679