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Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
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Re: which credit beaureu is the hardest

EX by a far margin for me.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest

All you posters with lower EX scores, do you have some sort of feel for why they are lower than the others? (Lotsa inqs, BK's, whatever) I don't know why EX likes me so far, but I'm pitifully grateful, and I'd like to keep things smooth with them. You know my theories about EQ and lates and relatively short history.
* 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
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
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Re: which credit beaureu is the hardest



haulingthescoreup wrote:
All you posters with lower EX scores, do you have some sort of feel for why they are lower than the others? (Lotsa inqs, BK's, whatever) I don't know why EX likes me so far, but I'm pitifully grateful, and I'd like to keep things smooth with them. You know my theories about EQ and lates and relatively short history.


I only have a 3 point spread between high and low but there are a few more nqs on my EX than on TU and EQ. I have 5 on EX 1 on TU and 0 on EQ. All my reports are nearly identical. There is a stray old closed account here and there that is picked up on one not another etc etc.
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
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Re: which credit beaureu is the hardest

[ Edited ]
EX just hits me harder for inqs. It's probably the type of inqs but that is why my score is lower on EX.

Message Edited by ilovepizza on 10-10-2007 06:56 AM
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
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Re: which credit beaureu is the hardest

I find EQ is tough on me. Followed by EXP. I guess TU likes me the best


10/01/07:
TU: 676
EXP: 665
EQ: 633 Smiley Sad
"Never ever, ever be late. Never" (FUTR)
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
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Re: which credit beaureu is the hardest

EX has never reported 3 Amex accounts: one 27 years old (AU), one 28 years (AU) and my Blue card 10 months old.
 
 
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: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest

I thought EX and AmEx were cozy--why wouldn't EX report?
* 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
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
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Re: which credit beaureu is the hardest



haulingthescoreup wrote:
I thought EX and AmEx were cozy--why wouldn't EX report?

They both blame the other. What I really want are the the two old ones to report and just forget about the blue card. I have the feeling if the two oldest report, my scores will go up quite a bit...just in time before I start apping again for a mortgage.
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: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest


fused wrote:

haulingthescoreup wrote: I thought EX and AmEx were cozy--why wouldn't EX report?
They both blame the other. What I really want are the the two old ones to report and just forget about the blue card. I have the feeling if the two oldest report, my scores will go up quite a bit...just in time before I start apping again for a mortgage.
Does this mean no Guam relocation?
* 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
Epic Contributor
Posts: 21,557
Registered: ‎03-19-2007
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Re: which credit beaureu is the hardest

This may help as an overall difference...

VantageScore vs. FICO score

The VantageScore is based on six variables, versus the FICO score's five variables. Here's a comparison of the two:

 Vantage score

Payment history                          32%

Uttilization                                 23%

Balances                                   15%

Depth of credit                           13%

Recent credit                             10%

Available credit                            7%

Total                                        100%

 FICO score

Payment history                         35%

Length of credit history               15%

Amounts owed                           30%

Types of credit uses                   10%

New credit                                 10%

 Total                                       100%

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† 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.

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