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Registered: ‎04-17-2007
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which credit beaureu is the hardest

I am curently doing score watch and you know it only does Equifax.  My score is 644 after a bankruptcy discharge 2 months ago and a school loan being reported to zero.
 
 
What beaureu is the hardest to establish a better score with? Which beaureu is most often reveiewed?
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Posts: 749
Registered: ‎08-19-2007
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Re: which credit beaureu is the hardest

I think it is different for everyone. as of today TU hates me but last month EQ hated me
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Registered: ‎04-20-2007
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Re: which credit beaureu is the hardest



bktj wrote:
I am curently doing score watch and you know it only does Equifax. My score is 644 after a bankruptcy discharge 2 months ago and a school loan being reported to zero.
What beaureu is the hardest to establish a better score with? Which beaureu is most often reveiewed?



It seems that Experian is being used a bit more lately with all the hulabaloo over the problems over at Transunion and Equifax concerning the software and inqs. No one bureau is harder to score with than the other really although some might say Experian is a touch lower for them.
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Posts: 16,374
Registered: ‎03-12-2007
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Re: which credit beaureu is the hardest



smallfry wrote:


bktj wrote:
I am curently doing score watch and you know it only does Equifax. My score is 644 after a bankruptcy discharge 2 months ago and a school loan being reported to zero.
What beaureu is the hardest to establish a better score with? Which beaureu is most often reveiewed?



It seems that Experian is being used a bit more lately with all the hulabaloo over the problems over at Transunion and Equifax concerning the software and inqs. No one bureau is harder to score with than the other really although some might say Experian is a touch lower for them.

I agree!!!
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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Posts: 9,252
Registered: ‎03-19-2007
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Re: which credit beaureu is the hardest

EXP hates me.
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
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Re: which credit beaureu is the hardest

ex is my lowest by at least 35 points!
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Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest

[ Edited ]
And yet it's my highest by 50, and it even has an old account that the others don't have, where it reports the last payment as late and current status as 30 days late. I'd love to dispute it, but I don't want to rock the boat. go figure


edit: Whoops, highest by 40. Empty stomach + pinot noir = bad math. Still, an irritating score gap.

Message Edited by haulingthescoreup on 10-08-2007 08:11 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Posts: 301
Registered: ‎07-25-2007
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Re: which credit beaureu is the hardest

I hate TU. Seems like no matter what I do, I can't get it up to the same score range as EQ and EX as it is always ~20 points lower.

EX is my favorite as it seems pretty resilient to inquiries and new accounts, in fact, my score went up! EQ is a bit picky on inquiries and new accounts, but seeing as it is about the same score as my EX, I have no complaints.

Starting Score: EQ 773, TU 766
Current Score: EX 794, EQ 787, TU 776
Goal Score: 800


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Posts: 6
Registered: ‎04-17-2007
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Re: which credit beaureu is the hardest

transunion hates me  589
equifax 647
experian 644
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Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest

If you have lates, you are doomed with EQ until they get some age on them, or you can GW (goodwill) them off.

FICO's: EQ 651 - EX 691 - TU 681 Thtuck! Thtuuuuuck!!!! (from A Christmas Story--kid with tongue frozen to flagpole)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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