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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 ?
Established Contributor
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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.
Valued Member
Posts: 30
Registered: ‎06-04-2007
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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.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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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!:smileymad:
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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...
Frequent Contributor
Posts: 301
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: EX 794, EQ 787, TU 776
Goal Score: 800


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New Member
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
Posts: 42
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.
Regular Contributor
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.
Super Contributor
Posts: 8,188
Registered: ‎03-25-2007
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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!:smileymad:



For me, absolutely, totally, always, with a vengeance  :smileysad:
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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