Which Fico is higher? EQ or TU? Enjoy....
Equifax®
Real Estate/Other*:
$0
Installment Debt:
$4,357
Revolving Debt:
$48
Credit Limit:
$1,800
Credit Available:
$1,752
Credit to Debt Ratio:
98%
Total Debt:
$4,405
Monthly Payment:
$419
REVOLVING CREDIT
TO DEBT RATIO
TO DEBT RATIO
- Credit 98% ($1,752)
- Debt 2% ($48)
TransUnion®
Real Estate/Other*:
$0
Installment Debt:
$4,640
Revolving Debt:
$48
Credit Limit:
$1,800
Credit Available:
$1,752
Credit to Debt Ratio:
98%
Total Debt:
$4,688
Monthly Payment:
$394
REVOLVING CREDIT
TO DEBT RATIO
TO DEBT RATIO
- Credit 98% ($1,752)
- Debt 2% ($48)
TU would be higher.
Starting Score: TU 595 EQ 610 EX 601
@JagerBombs89 wrote:Your TU should be higher, but i am guess that it is not. So I will say EQ
Congrats! Your guess was the right one.
My current scores are:
TU 601
EQ 648
The only (un)logical reason I can think of might be a different "bucket". The fact that EQ simply deleted seven positiv and old tradelines reduced my AAoA so that I'm in a different (younger) bucket which doesn't penalize my derogatory information as much as on TU.
If this is indeed the case, it would be a perfect example about the sometimes - well - unlogical way your credit-score is determined. I simply don't understand why my report which lacks 7 crucial accounts has a higher score than the other one. And we are not talking about 3 points. So if EQ would list these 7 old and positive TLs, I would be a bigger credit-risk? Hmmm.....makes no sense to me..
@llecs wrote:Based on what you posted I also say TU because of the age and because EQ hates high util. However, what baddies are reporting, if any?
I have many baddies on file (2 public records, a judgment and BK), a few collections (although listed on EQ under "accounts") and some IIB- and charge-off accounts with a DOFD about 5 years ago. However, they are no significant differences between the derogatory info reported on TU and EQ.
My util., however, is only at 2%...on both.