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Contributor
jess985
Posts: 76
Registered: ‎05-01-2012

We only report to EQ

How can I possibly get TU or EX credit scores to go up when all of my good accounts only report to EQ?   This is so frustrating. I called a few creditors that I noticed are only reporting to EQ to ask if they could report to TU and EX as well, only to be told no... They only report to EQ.

One creditor even told me that when we apply for a mortgage a different report would be pulled and all of my accounts would show up for each...Huh?

No wonder why EQ goes up and TU has been at a stand still for months!

Moderator
Shogun
Posts: 10,926
Registered: ‎04-15-2011

Re: We only report to EQ

Unfortunately there is nothing that will make them report anything to the CRAs.  Fact is, the only thing required is that only accurate information be reported, but nothing states that anything has to be reported at all. 


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: We only report to EQ


jess985 wrote:

How can I possibly get TU or EX credit scores to go up when all of my good accounts only report to EQ?   This is so frustrating. I called a few creditors that I noticed are only reporting to EQ to ask if they could report to TU and EX as well, only to be told no... They only report to EQ.

One creditor even told me that when we apply for a mortgage a different report would be pulled and all of my accounts would show up for each...Huh?

No wonder why EQ goes up and TU has been at a stand still for months!

 

 

 

 

When you apply for a mortgage over $150,000 your lender will see your credit file from all 3 CRAs.  This file contains items no longer on your credit report.  It contains any and all information ever reported to the CRAs.


Moderator
Shogun
Posts: 10,926
Registered: ‎04-15-2011

Re: We only report to EQ


guiness56 wrote:

jess985 wrote:

How can I possibly get TU or EX credit scores to go up when all of my good accounts only report to EQ?   This is so frustrating. I called a few creditors that I noticed are only reporting to EQ to ask if they could report to TU and EX as well, only to be told no... They only report to EQ.

One creditor even told me that when we apply for a mortgage a different report would be pulled and all of my accounts would show up for each...Huh?

No wonder why EQ goes up and TU has been at a stand still for months!

 

 

 

 

When you apply for a mortgage over $150,000 your lender will see your credit file from all 3 CRAs.  This file contains items no longer on your credit report.  It contains any and all information ever reported to the CRAs.



Even with that, they have to actually file for the inclusive CR, and that just doesn't happen on a regular basis.


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Contributor
jess985
Posts: 76
Registered: ‎05-01-2012

Re: We only report to EQ

Ok. So if I can't get the positive accounts reported, I need to focus on getting the negative accounts removed... And that isn't going so well.

Another question... I have a CC that was issued in Nov but it hasn't reported yet because I didn't use it until mid Dec.  I paid the balance to 0 and my other CC has 7% util. When the new CC reports this month, should I expect to see a drop in scores?


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