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Is Equifax typically your low FICO score?

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Kbrown1022
Valued Member

Is Equifax typically your low FICO score?

I am applying for a mortgage at the beginning of April and need a 660 minimum credit score. So I am a member of myfico.com and get credit alerts everytime my score changes for Equifax. My Equifax FICO is only 632, but my Transunion FAKO is 788. Transunion just went up 60 points since I had some 90 day past dues removed. But those 90 day past dues were not reported to Equifax, so I will see no increase. I really want to pull my other 2 FICO scores, but money is really tight and I just cannot afford it. They are going to use my middle low score, so if Equifax is typically the lowest than so be it and it does not matter. Any advice?

Message 1 of 14
13 REPLIES 13
earlyKY
Regular Contributor

Re: Is Equifax typically your low FICO score?

Transunion is my lowest, Experian highest and Equifax is right in the middle. The FAKO score is most likely way off, mine always are. I would suggest you buy your scores on myfico for transunion and experian. They may not be exact due to the lender using a different model but they will for sure be closer than any FAKO score you can find.

Message 2 of 14
anca21bi
Frequent Contributor

Re: Is Equifax typically your low FICO score?

Equifax has always been my lowest with also the most inquiries.
Message 3 of 14
gdale6
Moderator Emeritus

Re: Is Equifax typically your low FICO score?

usually in middle for me

Message 4 of 14
SunriseEarth
Moderator Emeritus

Re: Is Equifax typically your low FICO score?

EQ is my highest, EX is the middle, and TU is my lowest.  I have more HPs on TU and I think my CO is graded more harshly in the TU algorithm.  Or maybe it's my lack of a mortgage.  Who knows?



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 5 of 14
Kbrown1022
Valued Member

Re: Is Equifax typically your low FICO score?

Do you think it may have something to do with my HELOC loan? On Equifax it has it listed as revolving $22,500 credit limit, balance $22,500. So its basically showing I have a maxed out credit card, but its my home equity loan. On Experian it lists it as revolving, but a credit line secured. Besides that all other information is the same.

Message 6 of 14
Officer737
Established Contributor

Re: Is Equifax typically your low FICO score?

Equifax is my lowest also. EQ has the most inaccurate information, INQs and other issues of any of them. This will be the one that takes me the most to clean up.

Message 7 of 14
starry1
Valued Contributor

Re: Is Equifax typically your low FICO score?

Equifax is and has been my highest score since I started watching it a little over a year ago.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 8 of 14
EddieK
Established Contributor

Re: Is Equifax typically your low FICO score?

EX is my lowest, followed by TU, then EQ.  I'm sure my TU would be highest if I pulled now since it's always about 20 points higher than my EQ.

Starting Scores:
1/19/14:

1/28/14:
2/12/14:
Current Scores:
7/10/19:
12/17/16:
9/05/17:
Message 9 of 14
-Wade-
Valued Contributor

Re: Is Equifax typically your low FICO score?


@Kbrown1022 wrote:

I am applying for a mortgage at the beginning of April and need a 660 minimum credit score. So I am a member of myfico.com and get credit alerts everytime my score changes for Equifax. My Equifax FICO is only 632, but my Transunion FAKO is 788. Transunion just went up 60 points since I had some 90 day past dues removed. But those 90 day past dues were not reported to Equifax, so I will see no increase. I really want to pull my other 2 FICO scores, but money is really tight and I just cannot afford it. They are going to use my middle low score, so if Equifax is typically the lowest than so be it and it does not matter. Any advice?


EQ is my higest

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
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