why is equifax score so different

[Anonymous]

My equifax score is VERY BAD 639.  My Transunion is 677 and my Experian is 690.  WTheckll is up with that?   They all show the same incorrect not updated balances and that Ive had lots of new inquiries and two new credit lines.(my own stupidity)  and none show yet that I opened a personal loan for 4000 . I paid off cards  with this loan. ( cards have maybe 100 on them at the most cept for the dell acct)   How long till they show this and what do I need to do to bring equifax up to the other scores ?   

[Anonymous]

EQ seems to be the toughest score. 

I have not seen an increase from them since Jan.

I have received increases from TU and EX. I don't know why.

I only need 2 pts for 700 and can't get it.............sigh.............

Message Edited by casinoannie97 on 10-08-2008 01:05 AM

[Anonymous]

My EQ is higher than my TU and EX. The weirdest thing is that there are 2 collections on my EQ.

[Anonymous]

When was your last baddie?

EQ is brutal on lates and derogs-

[niecey89]

Look at my signature, in my case Experian does not like me. All my reports have the same information. I just recently paid some bills down a couple of hundred lets see what happens.

[Anonymous]

i have no babbies. always pay my bills on time yada yada. I just dont have a long history and have opened four accounts in the last year, it says ive made high use of credit available but that will change whenver the fact that i paid off alot of card debts show up.  

[BBYGRL]

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@niecey89 wrote:

Look at my signature, in my case Experian does not like me. All my reports have the same information. I just recently paid some bills down a couple of hundred lets see what happens.

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Same with me. My EQ & TU tend to be within 5 points of each other. EX has always been the lowest. Inquires are the culprit in my case. Most CCCs pull EX in SoCal.

[niecey89]

I just cleaned up some more drama on my reports. Hopefully by the begining of the year i get a jump in my scores. Sallie Mae is still hurting me but that one is expected.

[Anonymous]

no baddies.. hehe not babbies.

[marty56]

EQ hates lates.  I also got docked 1 point for having 2 CCCs report a balance for 1% total util.