Established Member
Yankeefan
Posts: 29
Registered: ‎09-09-2012
variance between TU and Eq scores

I have been playing with my Uti to see my effect on my Fico scores.  Now both my TU and Eq reports contain the exact same information. My Eq score is 792, and TU is 753. TU claims my installment loans (student loans) totaling $4k are negatively impacting my score. I dont understand the 40 point variance between the two reports, considering they are based on the same information.

Moderator
Shogun
Posts: 7,367
Registered: ‎04-15-2011
Re: variance between TU and Eq scores

There's always a difference in the scores.  Some weigh certain aspects differently than others.  Your scores are in pretty good shape, I wouldn't worry about it too much.


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Established Contributor
bettercreditguy1
Posts: 652
Registered: ‎02-11-2012
Re: variance between TU and Eq scores

Sometimes, the negative explanation does not make sense either. They must report something in that column or everybody would be at 850 PERFECT!.

Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Regular Contributor
geronimo2008
Posts: 179
Registered: ‎07-21-2007
Re: variance between TU and Eq scores

Even a Yankee fan can understand it.   (LOL)

 

The different scores are because they weight the data differently.  Even with absolutely identical data the scores usually vary and sometimes quite a bit.  There is simply no reason to expect the scores to be similar.

Established Contributor
my-own-fico
Posts: 964
Registered: ‎01-05-2010
Re: variance between TU and Eq scores

Yankeefan wrote:

I have been playing with my Uti to see my effect on my Fico scores.  Now both my TU and Eq reports contain the exact same information. My Eq score is 792, and TU is 753.


 

That would depend on what you mean by variance. :smileysurprised: :smileymad: :smileyvery-happy:

 

Seriously, it's common that people overlook something like the account type of a trade line across the three agencies, which can make a huge difference such as whether it's used for util or not.