+1 - Currently my TU is higher then my EQ, not always the case. But for me TU lists 23% util as hurting my score and on EQ 23% is helping my score. TU is pickier about util and for me, EQ has been pickier on inquiries. Look at the what's hurting/helping your score and you can see the differences between TU and EQ and what each considers good/bad for your reports.
Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)