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

Valued Contributor

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?

AMEX PRG NPSL,Lowes $17000,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 $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, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 1 of 6
5 REPLIES
Regular Contributor

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
Message 2 of 6
Super Contributor

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
Message 3 of 6
Valued Contributor

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.
AMEX PRG NPSL,Lowes $17000,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 $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, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 4 of 6
Super Contributor

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
Message 5 of 6
Highlighted
Valued Contributor

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
AMEX PRG NPSL,Lowes $17000,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 $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, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 6 of 6