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I have been lurking on these forums for a while at least since I joined in 2005, at first I just did the monthly credit pulls and later on I joined scorewatch. I have had the strangest thing happen to me. In the fact that my TU-98 and Equifax is the exact same number for two months Feb-2012 and March 2012. What the H... is going on?
Did the cosmos align in some way? Or what? I have never had this happen they have always been 55-65 points difference. I am wondering If the two credit bureaus use the same algorithmns at the same time. How common is this?. I did have one late in December 2011. So maybe I was rebucketed. I am bugging BoFa with goodwill's
but they are pretty hard to crack. I have no collections or chargeoffs and BK7 will drop off in Sept 2013 (ten years). All I know is whatever algorithmns they are using or the buckets they re using to base my criteria on I'm not feeling. Because it is not much movement credit score wise. I will purchase score watch when I get an alert "saying my credit score has changed". I have learned the hard way by purchasing a gazillion reports and it's the same score. I will be curious to see how long my two scores stay the same. Next month my EQ. will have 10yrs History and 4 yrs. AAoA. This month my TU-98 made 6 yrs. history and 3 yrs. AAoA.
Any feedback will be great.
OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".
To answer....it's a coincidence. Both TU and EQ FICO reports have differing formulas, but each report will always report a tad differently, enough so to throw the scores in and out of alignment from time to time. I'm a score junkie too and there had been times the scores matched when pulled the same day, despite the reports containing totally different info.