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Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

Why is my EQ score so low, compared to the other two?

EQ is 629, I got this from a CLI denial from Citi in Feb.

 

EX is 692, and TU is 687 Walmart FICO. March scores here.

 

I just find it strange that it's so low compared to the others, when the others are very similar in scores? I don't know how many INQs are on EQ but its probably between the range of 6 and 8.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Why is my EQ score so low, compared to the other two?

The score you recived from Citi may be an in-house score of their own from an EQ report.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Why is my EQ score so low, compared to the other two?

Possibly; or you may have something negative reporting on EQ that is not reported on the other two. Have you obtained your free reports yet?

You can get your free reports from annualcreditreport.com and scan the report for collections or other information which may be hurting your score.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

Re: Why is my EQ score so low, compared to the other two?

 


webhopper wrote:
Possibly; or you may have something negative reporting on EQ that is not reported on the other two. Have you obtained your free reports yet?

You can get your free reports from annualcreditreport.com and scan the report for collections or other information which may be hurting your score.

I pulled it once already in January. I think I had 4 INQs at the time, nothing derogoratory on the report. I'm also thinking that it might be CITI's in house score. Otherwise, I just have no idea as to why it's so low. Hopefully, my DCU membership comes in this week and I'll get their score to verify.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Why is my EQ score so low, compared to the other two?

Looks like you recently obtained several cards/CLIs.  If the lenders pulled mostly from EQ, that might be part of the reason.

Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Why is my EQ score so low, compared to the other two?

My EQ Fico is the lowest also, but I do have 3 very recent inquiries on it that's less than 6 months old.


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012

Re: Why is my EQ score so low, compared to the other two?

Possibly, but I would think they're evenly distrubuted. I could be wrong though, oh well time can only tell. Thanks for the responses guys.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Why is my EQ score so low, compared to the other two?

They are actually very rarely evenly distributed. Which report is pulled is highly dependent on geography, and so I have found many of the large lenders pull the same report. My app spree resulted in all 3 lenders pulling EX.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Contributor
hersheykisses
Posts: 114
Registered: ‎05-10-2010

Re: Why is my EQ score so low, compared to the other two?

My EQ is 40 points lower than TU or EX and the EQ looks better in my opinion, very clean.  I dont understand the vast difference either.

Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012

Re: Why is my EQ score so low, compared to the other two?

My EQ is way low too. According to myfico its 534. My TU on 3/5 was 600(I think it has gone up though because my creditkarma score went up about 40pts since then to 591). And last I checked my EX was around 580.

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