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Equifax and Baddies

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Anonymous
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Equifax and Baddies

I have noticed through experience Equifax seems to ding you the most for negative accounts. every time I got a derog removed EQ would barely budge and once my last CO derog got removed it got the biggest jump 87 points. is it just me or did this happen to anyone else.

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Anonymous
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Re: Equifax and Baddies

Are you asking if Equifax penalizes you more for a negative than the other bureaus do?

 

If so, I don't think so. My understanding is that the fomula is the same for all three. So if each bureau had exactly the same information as the others, you would have exactly the same scores from each. But there are always going to be at least minor differences -- when things post if nothing else. That assumes you're looking at the same scoring model (FICO 8, for instance) for all three.

 

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