New Visitor
Posts: 760
Registered: ‎02-11-2012
Re: Is This Normal?

What kind of lates, baddies, charge offs, collections do you have? Do you have any judgments?  There is/are some distinct differences we do not see here, all of which are scored / handled differently between the two companies.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience