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! Thanks!
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.