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Valued Member
Posts: 45
Registered: ‎09-09-2012

variance between TU and Eq scores

I have been playing with my Uti to see my effect on my Fico scores.  Now both my TU and Eq reports contain the exact same information. My Eq score is 792, and TU is 753. TU claims my installment loans (student loans) totaling $4k are negatively impacting my score. I dont understand the 40 point variance between the two reports, considering they are based on the same information.

Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011

Re: variance between TU and Eq scores

There's always a difference in the scores.  Some weigh certain aspects differently than others.  Your scores are in pretty good shape, I wouldn't worry about it too much.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 803
Registered: ‎02-11-2012

Re: variance between TU and Eq scores

Sometimes, the negative explanation does not make sense either. They must report something in that column or everybody would be at 850 PERFECT!.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 02/19/2017 EQ 803, (Fico) TU 802, (Fico) EXP 793(Fico), Remember the Three P's: Pay early in Full, Pay on Time, Patience
Regular Contributor
Posts: 183
Registered: ‎07-21-2007

Re: variance between TU and Eq scores

Even a Yankee fan can understand it.   (LOL)


The different scores are because they weight the data differently.  Even with absolutely identical data the scores usually vary and sometimes quite a bit.  There is simply no reason to expect the scores to be similar.

Valued Contributor
Posts: 2,019
Registered: ‎01-05-2010

Re: variance between TU and Eq scores

Yankeefan wrote:

I have been playing with my Uti to see my effect on my Fico scores.  Now both my TU and Eq reports contain the exact same information. My Eq score is 792, and TU is 753.


That would depend on what you mean by variance. Smiley Surprised Smiley Mad Smiley Very Happy


Seriously, it's common that people overlook something like the account type of a trade line across the three agencies, which can make a huge difference such as whether it's used for util or not.


But as it turns out, the ability to make and stick to a financial budget defies the realities of most people’s lives.

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