I will try and figure out why my EX is lower than the other two and let you know what I come up with. When I talked to AMEX about being turned down for Blue, they brought up the total combined amount. Maybe EX provides that number to the CCCs when they pull? The Amex person on the phone acted as if it was all credit card debt as if I bought $60k in latte's or something as opposed to using it for business and a room addition.
If so, I would have been better to have taken the lump sum for the equity loan instead of using funds as I needed them for construction. I wanted to avoid paying interest until I needed the funds...
Current FICOS:
6/20/2007: TransUnion 705 - Equifax 715 - Experian 685