No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I don't mean a discrepancy between scores, just the actual stuff reporting. If you just looked at our Equifax we look like completely solid citizens - no judgements or bankruptcies, 1 inq in the last 2 years, no collections, credit card and installment loans paid on time and reporting correctly - the only negative is a closed first premier card with a couple of lates posted to it back in 2003.
Look at our Experian, though, and it tells a different story! 3 judgements (should be 2 but one is a duplicate), 13 inquiries, and 7 collections/baddies. Only the credit card reports, not the loans.
I hate Experian!
It *is* funny though - does anyone else have this??
My EQ is also much better than my EX.
Some of it is regional. I forget the details, but certain regions of the country use one company more than the others to pull scores, and I think that's true for how they decide to report too.
But the differences are good, right? I mean, I think we benefit from not having all the bad stuff report to all 3.