Reply
Valued Contributor
Posts: 1,651
Registered: ‎05-17-2013
0

Of the three Credit bureaus which one hates 90+ lates the worst?

Im not sure if this has been asked here before but I have a lot of 90+ late payments from my student loans. I have the myfico scorewatch my current score is 621 so does experian or tu grade lates any differently for payment history?

TU08 Fico Score (690)-Goal Score-(750)
AMEX PRG NPSL,AMEX Lowes $17000,BCE $15,000, Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver world mastercard $5500, Amazon Store card $5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500
Regular Contributor
Posts: 205
Registered: ‎06-04-2012
0

Re: Of the three Credit bureaus which one hates 90+ lates the worst?

Any 90 day late reported to a CRA will be scored the same way under the FICO algorithm. However, not all 3 CRAs have the exact same info (ie a cc might report on eq & ex but not tu). This is why most everyone has different scores between the 3 CRAs
Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Of the three Credit bureaus which one hates 90+ lates the worst?

A 90 day late will result in a severe hit to your FICO score, regardless of the FICO version & CRA.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 1,651
Registered: ‎05-17-2013
0

Re: Of the three Credit bureaus which one hates 90+ lates the worst?

Im just trying to figure out why my eq is 621 while my tu from my credit union pull is 580. The only difference is like extra one inquiry on tu. All my other lines are showing up the same. Fingerhut still has not reported to any of the 3.
TU08 Fico Score (690)-Goal Score-(750)
AMEX PRG NPSL,AMEX Lowes $17000,BCE $15,000, Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver world mastercard $5500, Amazon Store card $5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Of the three Credit bureaus which one hates 90+ lates the worst?

The TU score from the credit union might be a bankcard or auto enhanced model, that could explain....
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Highlighted
Valued Contributor
Posts: 1,651
Registered: ‎05-17-2013
0

Re: Of the three Credit bureaus which one hates 90+ lates the worst?

Im not sure what is was I'll have to ask the girl. I'm pretty sure she said that they pull my credit to open my checking/savings account Then she can apply that score for my secured loan which I was able to get that day and my secured credit card which according to her had to go to manager approval
TU08 Fico Score (690)-Goal Score-(750)
AMEX PRG NPSL,AMEX Lowes $17000,BCE $15,000, Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver world mastercard $5500, Amazon Store card $5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.