Understanding FICO® Scoring

[bt5418]

I am now completely confused about the scoring of CR's. I just recently had a negative account removed-no score increase. Also me EQ is 40 points lower than my TU and I have one more CA on TU than on EQ. Everything else is identical. How is that possible?

[MarineVietVet]

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bt5418 wrote:
I am now completely confused about the scoring of CR's. I just recently had a negative account removed-no score increase. What else is left on your reports? Any negatives remaining? What still reports is very often as critical as what was removed.

Also me EQ is 40 points lower than my TU and I have one more CA on TU than on EQ. Everything else is identical. How is that possible? Each CRA has it's own peculiar way of scoring even identical information. One CRA will ding more for one factor than the others. My TU score has always been quite a bit lower than my EQ with basically the same data. TU tells me my "non-mortgage balances are too high" but EQ doesn't seem to care about that.

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[bt5418]

Well I have quite a few baddies. A judgment from 08, 2 collections one from 2011 and the other from 2010. I know that if you have baddies a huge score increase is unlikely. The one collection from 2010 should be coming off shortly so I'll see where that gets me.

[golo]

That sucks,this fico gods are ruthless...