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I checked my equifax report a few days ago and they have my util at 19%, Myfico has it at 24%. Anyone have any thoughts on why?
@Azumi1 wrote:I checked my equifax report a few days ago and they have my util at 19%, Myfico has it at 24%. Anyone have any thoughts on why?
So your Equifax report is showing 19 percent, and your Equifax report on MyFico is showing 24%?
Likely the MyFico report hasn't updated to the same report EQ is showing..
-scott
@Azumi1 wrote:
There are a few balances that have updated, but the amounts should not make that much of a difference.
Do you have any negatives like a charge off showing?
Sometimes the different consumer reports will use differnet information to create the util precentage
-scott
@Azumi1 wrote:
2 from hsbc, from 2009.
Are there balances on the charge offs? This could be a reason one would had a differnet report than another..
Either way, you should always use your own math to figure out utilization. Never trust a website to provide you with such key information..
-scott
@Azumi1 wrote:
Balances showing on both on EQ and Myfico.
Yeah I don't know why it is different.. thats all I got!
Maybe someone else will chime in
-scott