Valued Member
Posts: 35
Registered: ‎03-06-2013

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!  :smileyhappy:  Thanks!   

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

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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

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.

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