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Why is EX FICO the lowest for a lot of people?

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Walt_K
Senior Contributor

Re: Why is EX FICO the lowest for a lot of people?

EX is my highest.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 11 of 14
chasmith
Valued Contributor

Re: Why is EX FICO the lowest for a lot of people?

Based on my experience, and looking at reports for some friends I've helped with credit issues, Experian seems to get a lot of collections, especially medical, that don't report to the other CRAs.  Also seems to be most pulled by lenders so inquiries may be higher.

 

This may be a geographic phenomenon, I've seen comments from people on the west coast that Experian may be more commonly used there.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 12 of 14
jayrock24
Regular Contributor

Re: Why is EX FICO the lowest for a lot of people?

i was told that it depends on where you live for example i live in maryland and my ex is 521 fico from bankofamerica my eq is 640 and tu 616 thats crazy but i notice that when i apply for credit they always run ex but when i lived in pa they always ran my eq weird right

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
Message 13 of 14
sassymomof2
Frequent Contributor

Re: Why is EX FICO the lowest for a lot of people?

EX is my highest-601 in June. EQ is my lowest- 587 in June. Both lender pulls. For me, EX is cleaner than EQ.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 14 of 14
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