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Established Member
poldies4
Posts: 18
Registered: ‎03-09-2012

TU vs. EQ

I was expecting a EQ bump this week but didn't get one, so out of curiosity, I pulled my EQ report & my TU report. You can see in my signature I had a recent rebucketing with EQ. My CC usage is now lower than it was when my EQ score was 731 and yet it's only 707! During this time my TU score has jumped from 721 to 754 - WTH!?

By the way - my payment history is "great", my amount of debt is "good", and my length of credit history and amount of new credit are both "very good"

When am I going to see my EQ number bump??? It's killing me that I've been working so hard to pay down debt & it's taken a nosedive!
No baddies - only high CC utilization - Goal of 800!
3/2012 EQ 707 76% CC utilization ~ 3/2013 EQ 731 TU 721 56% CC
4/2013 EQ 703 TU 731 56% CC utilization *rebucketed*
4/2013 EQ 707 TU 754 45% CC utilization
4/2013 EQ 721 TU 754 45% CC utilization
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: TU vs. EQ

If you were rebucketed on EQ, that is actually a good thing.  You were put in a group of others with similar items on your CRs.  Your score should even out more quickly.

Established Member
poldies4
Posts: 18
Registered: ‎03-09-2012

Re: TU vs. EQ

I know it's a good thing *technically* - but waiting to see it climb back up is so hard! Especially when my credit situation is so much better than it was a year ago, when my EQ was 741! So frustrating!
No baddies - only high CC utilization - Goal of 800!
3/2012 EQ 707 76% CC utilization ~ 3/2013 EQ 731 TU 721 56% CC
4/2013 EQ 703 TU 731 56% CC utilization *rebucketed*
4/2013 EQ 707 TU 754 45% CC utilization
4/2013 EQ 721 TU 754 45% CC utilization
Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009

Re: TU vs. EQ

On section of the credit report where is list the factors that are hurting your report are there differeneces between tu and Equifax?

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
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