Do the different credit bureaus value/punish for different aspects of CR in diff ways?

[CreditDrama85]

TU and EX are the most frequently pulled CRs for me. Most lenders will pull TU and EX and not pull EQ at all. Is there a major difference in how EQ scores vs the other 2 CBs?

I was once told that TU penalizes more for public records, while EQ scores suffer more for Late Payments, and EX scores suffer/are weighted more on utilization. is this true?

Message Edited by CreditDrama85 on 02-15-2009 02:35 PM

[haulingthescoreup]

This seems to be the consensus here. There are plenty of tweaks, of course.

I can't tell you about TU and public records, but I have the same length of history for EQ and TU, with EX being a bit longer, and the same AAoA, with EQ being a bit shorter. So my history with EQ is a tiny bit shorter, but look at the difference in scores.

My util is almost non-existent, and my only baddies are lates --too many 30's, and one 90. So I do believe the bit about EQ and lates.

[marty56]

I also agree on EQ and lates.  I am lucky in that all 3 CRs have the same info on it so I can see the difference in how my lates are treated.

[MattH]

In my case, EQ and TU ding me for total balance on my revolving accounts, while EX (when I could pull EX) said "no negative factors" because my high credit limits make for a low percent of balance utilized.