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TU scoring is confusing

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Student_Loans_Kill
Frequent Contributor

TU scoring is confusing

Not only did I not get a SW, my score has not increased on my Eqreport after a collection (leass than 2 years) deleted from CRA by CA for collection. My TU98 increased 33 points, but why has my EQ not moved? I did have a dispute on this TL before deletion. But after it was deleted I should have had a similar increase in score on my EQ It seems like my TU increased right away

Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


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Message 1 of 4
3 REPLIES 3
llecs
Moderator Emeritus

Re: TU scoring is confusing

IME, TU dinged more for baddies than EQ. EQ seemed more forgiving.

 

Was this a CA or CO?

Message 2 of 4
Student_Loans_Kill
Frequent Contributor

Re: TU scoring is confusing


@llecs wrote:

IME, TU dinged more for baddies than EQ. EQ seemed more forgiving.

 

Was this a CA or CO?


CA, medical, and my EQ score watch has never reported anything on this which makes me wonder if it was even seen. It was a disputed trade line , however the CA dropped or deleted because OC made a mistake

Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


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Message 3 of 4
Student_Loans_Kill
Frequent Contributor

Re: TU scoring is confusing


@llecs wrote:

IME, TU dinged more for baddies than EQ. EQ seemed more forgiving.

 

Was this a CA or CO?


I might believe this if I had more collections or this was greater than two years, however it was a solo collection and under two years (1.4) and people take 100 point EQ hits for this type of baddie. I'd pay my $19 just to check but I feel like I am wasting money

Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


Take the FICO Fitness Challenge
Message 4 of 4
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