Credit Cards Center Credit cards from our partners
Reply
Valued Member
Posts: 35
Registered: ‎03-06-2013
0

ex vs tu vs eq

I hate that I can't check my real Experian score!

 

Does anyone have any insight on this?   Out of the 3 CRA's,  which one tends to score hardest on someone with late payments/collections?  Or which one gives more points for having paid off all but one credit card with the one remaining  < 30% utilization. So far Transunion is my highest score and actually has the most reported collections!   I'm trying to decide if I want my mortgage person to pull my scores again, and I don't want to do it for nothing! 

 

I know we don't know for sure, but anyone with experience with the 3 scores would help!  Smiley Happy  Thanks!   


Starting Score: 568
Current Score: EQ624, TU630 TU04 606, EX640
Goal Score: 700


Take the myFICO Fitness Challenge
Highlighted
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: ex vs tu vs eq

Back in the day we used to be able to pull our EX FICO on here. IME, EX tended to be a bit more harsh with added baddies of the 3. EQ tended to ding more for util, and reward more for paying off revolving debt.

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 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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.