Credit Card Center Advertiser Disclosure

New Member
Posts: 9
Registered: ‎04-10-2007
0 Kudos

Why Is Equifax Scores the lowest?

Can you answer that for me Brammy?
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0 Kudos

It would depend on what info is reporting to all three bu...

[ Edited ]
It would depend on what info is reporting to all three bureau but also the account status each bureau has for each account.  For example, EQ ihas the longest history of all of my accounts but for some reason it has the lowest score.  No derogs are different on any of them but I did notice that my student loan is reporting as not in repayment while on the other two they are reporting as unknown but paid as agreed.  Hoefullly when this updates across the board today, EQ will overtake the other two.
It should as it has almost a full ten years pf pymnt history not on the others as well as a 10K loan that has been PIF but yet that score is lower.
Can one of the mods let me know how that works?  On True credit it should be 60 points higher than the middle but not according to Fair Issac

Message Edited by Brammy on 04-10-2007 04:15 PM
New Contributor
Posts: 56
Registered: ‎03-30-2007
0 Kudos

Re: Why Is Equifax Scores the lowest?

Scores differ among CRA's when your reports have different data. This can happen when an account isn't reported to all three CRA's. Sometimes delininquencies aren't reported to all CRA's.

The most common source of score differences arises because inquiries to your file when you apply for credit are rarely distributed evenly across all CRA's. If a greater number are pulled from one particularly CRA, that CRA score will be depressed more by inquries than the others.

Each CRA has historical roots within specific sections of the country and when a creditor pulls a report for an individual in a given section, they tend to pull a report from the corresponding CRA. Consequently, it's often the case that your score is lowest for the agency that has the strongest relationship with your area of the country (if you've actively been seeking credit).

- Harry

Starting Score 1/01/10: TU:768 EQ:770
Current Score 8/21/12: TU:776 EQ:779
Goal Score 12/31/10: . TU:800 EQ:800

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.