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Eq will not budge.

Senior Contributor

Re: Eq will not budge.

What are your 3 FICO 08 scores you got from your CCT pull?

Established Member

Re: Eq will not budge.

690 eq 742 ex and 742 tu
Senior Contributor

Re: Eq will not budge.

If you aren't seeing a difference on EQ, there's a chance that the monitoring software isn't showing you what your real credit report would.  I would request a copy of your EQ report for starters, but ideally copies of all 3 for comparison purposes.  In looking at your hard copy EQ report, though, there must be something that's different from the other two and it's got to be something major.  The only thing I can think of is a negative item.

Frequent Contributor

Re: Eq will not budge.

BBS and CGID are correct. Look at my siggy, EQ has a medical on there that TU and EX doesn't. Plus you can optimize your score more by getting below $44 on the SSL.

Starting Score: 2/23/2017 Score 8 EQ 651 TU 659 EX 679
Current Score:11/10/2017 Score 8 EQ 744 TU 745 EX 743
Mortgage Scores 11/10/2017 EQ 756 TU 771 EX 754
Goal Score: 750+ ATB FICO 8, Middle Mortgage Score 760
Established Member

Re: Eq will not budge.

I have already looked. This passed winter I cleaned my reports all up. All negative and medical are gone. They were all around the same when I began my rebuild. When I have time again I will pull my reports though.
Senior Contributor

Re: Eq will not budge.

If you write a generic letter stating that you feel there are discrepancies on your credit report and send it off to the 3 CRAs, the first thing they'll do is send you a hard copy of your credit report for free.

Established Member

Re: Eq will not budge.

I pulled my eq file from annual credit and everything was exactly the same and fully clean
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Regular Contributor

Re: Eq will not budge.

EQ FICO reporting seems to have contradictions. When I look at the list of things EQ says are hurting my score, I see the following: too many credit cards with balances  and it says I have 6 and that high achievers have on average 3. That was 2 days ago. This morning, an updated report says I have too few accounts reporting because I have 3 (here it seems to only pick up accounts with a non-zero balance) that high achievers have on average 6. It seems they have two highly confounded factors being triggered: credit accounts reporting and credit accounts with balances. Is there a problem in that cards with zero balances may not report that month? That seemed to happen with my Cap1 card. 

2/2012 CH13 filed; 1/2017 DC
Start EQ 568 TU 600 EX 627
Current EQ 676 TU 694 EX 699
1/2017 Car loan
$500 Credit builder loan, paid and closed 8/2017