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Valued Member
Posts: 30
Registered: ‎06-04-2007
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Which score is usually higher ?>

amongst the three agencies and does one matter over the other ?
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Registered: ‎05-01-2007
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Re: Which score is usually higher ?>

It can matter if the creditor only uses one out of the credit bureaus to pull the report. For example my credit union only uses equifax except for mortgages. On a mortgage loan a lender will pull all three and do one of the following:  1.  average the three fico scores  2. use the lowest of the three.  3. In general they take the middle score.
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Re: Which score is usually higher ?>

thanks... any consistency to the varaiance of the three?  i have heard equi is usually the higher but obviously each case is independent.
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Re: Which score is usually higher ?>



texhawk wrote:
amongst the three agencies and does one matter over the other ?


It can vary greatly but I have noticed TU usually being the highest score of the three. Hard to say between EQ and EX. But the most evil of the three is EX. They are the evil brainchild of the three!Smiley Mad
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Established Contributor
Posts: 513
Registered: ‎05-31-2007
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Re: Which score is usually higher ?>

I agree...TU always highest..followed closely by EQ...and EX is always lowest...
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Registered: ‎07-25-2007
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Re: Which score is usually higher ?>



ObsessedwithmyFico wrote:
I agree...TU always highest..followed closely by EQ...and EX is always lowest...





I must be unique...TU has always been my lowest, followed by EX, and EQ has always been my highest. Then again, I don't exactly have a long history, maybe it changes with time...?

Starting Score: EQ 773, TU 766
Current Score (2/25/2017): EX 813, EQ 823, TU 818
Goal Score: 800


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Posts: 3
Registered: ‎07-27-2007
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Re: Which score is usually higher ?>

That's interesting, because in my case, Experian is the highest, then Transunion, then Equifax... Hmmm....
Established Member
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Registered: ‎07-19-2007
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Re: Which score is usually higher ?>

It seems to me that Equifax is and has always been my highest score and my TU and EX scores are always the same--give or take a point or two. TU and EX are also always nearly 10 points lower than my Equifax score. I have no idea of why because they all have the exact same information on them.
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Posts: 218
Registered: ‎07-29-2007
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Re: Which score is usually higher ?>

I only pulled EQ and TU - but my EQ is the higher of the two.  Last time I pulled EX it was the highest of the three.
From BK to 700 FICOs in 4.5 yrs.
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Re: Which score is usually higher ?>



fused111 wrote:
 
It can vary greatly but I have noticed TU usually being the highest score of the three.

 

For DW and I, always
 


fused111 wrote:

But the most evil of the three is EX. They are the evil brainchild of the three!Smiley Mad



For me, absolutely, totally, always, with a vengeance  Smiley Sad
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

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