Scoring differences between EQ and TU

[DanielF]

Question.... Had a collection removed completely from reports.. got about a 17 point increase from TU but a 1 point drop in EQ. Any ideas why. I have so many accounts the AAoA effect should have been next to nothing.

[namvet]

 

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@DanielF wrote:

Question.... Had a collection removed completely from reports.. got about a 17 point increase from TU but a 1 point drop in EQ. Any ideas why. I have so many accounts the AAoA effect should have been next to nothing.

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    EQ doesn't like collection accounts.  More so than TU or EX.  EQ is slow in reporting upgrades but fast in down grapes. 

[DanielF]

I pulled a fresh score power report and EQ shows the account deleted, but the score went down 1 point. Is it possible that it takes EQ longer to update the score, but the report is updated?

[pizzadude]

The FICO score that you get is based on how your report looks at the exact time you requested it ~ there is no lag in updating.

It sounds to me that you probably have other negative information on your EQ report that might not be there on TU.

[MarineVietVet]

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@pizzadude wrote:
The FICO score that you get is based on how your report looks at the exact time you requested it ~ there is no lag in updating.

It sounds to me that you probably have other negative information on your EQ report that might not be there on TU.

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Plus each CRA looks at and scores the same information just a bit differently. For example TU always tells me my "non-mortgage balances are too high" whereas EQ seems not to care in the least what those balances are.

[DanielF]

EQ does report my foreclosed second mortgage from 2006 diffrent than TU but that is the only difference. When I do the simulator it says my EQ score will go up 30-45 points with one month of ontime payments so I guss we will wait and see. Thanks for the responses.