Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: How accurate is TU scoring from here?

40 is a bit high. It's true the EQ FICO on here is a different formula than the TU FICO on here. IME, EQ favored util more than TU and TU penalized on baddies more than EQ. YMMV of course. But I would look at both reports. Even small differences like one TL reporting on one vs. the other can throw it all off. Look at specific reporting of each TL. Make sure all accounts match. And check balances too since TU is typically slower than EQ in updating.