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Then what is your Equifax score so we know if it's closer to TU or EX score. To tell us which bureau to look to compare the most.
Without a total breakdown of accts open and closed, the only suggestion I can give as a plausible cause on TU, is that when I started working on my utilization, aiming for the AZEO (all zero except one-meaning all CCs at STATEMENT cut is zero balance, not the due date-very important, with only ONE card reporting a balance less than 8.9 percent of the credit limit of that one card you choose). I subscribe to myfico, when I get my alerts in the beginning, paying off my first accounts, I got a bigger score jump on EX and EQ, TU only factors across all bankcard/store card balance. So I was getting 12-14 pts on an individual payoff with EX, EQ, but a measley 4 on TU. As my utilization overall is decreasing across the thresholds 49%, 29%, and 8.9% total, I started to get bigger score bumps with TU.
still digging into this issue. how do credit reports reflect closed installment loans? will it help if paid, and aged? or do they hurt your score for any reason other than lates.