topic Re: Is Equifax always slower than EX and TU? in Understanding FICO® Scoring

Is Equifax always slower than EX and TU?

kxkxkxx — Fri, 09 Nov 2018 19:12:59 GMT

Seems like they are constantly behind the other 2...just wondering if anyone else has dealt with this?

I was recently added (about a month ago) as an AU and my score jumped 8 pts on EX and 15 pts on TU....was waiting for another nice jump on EQ...but they seem to be dragging their feet.

<Mod edit/note: I've made slight edits to keep your post from veering too far off-topic. --UB>

Re: Is Equifax always slower than EX and TU?

Anonymous — Fri, 09 Nov 2018 19:15:12 GMT

I wouldn't say so. I think just as many people post that either TU or EQ are their dog, so it really seems to be profile-specific.

Re: Is Equifax always slower than EX and TU?

RonM21 — Fri, 09 Nov 2018 23:18:14 GMT

@BBS very true. I've seen it spread out between the 3 depending on who the person is, situation, and so on. Lol for me, it is always a matter of me being impatient.

Re: Is Equifax always slower than EX and TU?

EW800 — Sat, 10 Nov 2018 07:02:30 GMT

TU is by far always the slowest to report/update for me. Ex is typically the quickest, then EQ, and sometimes up to a week later it is TU.

Re: Is Equifax always slower than EX and TU?

JoeLuvsHisCredit — Sun, 11 Nov 2018 03:01:00 GMT

Ex is my slowest

TU is my fastest

Re: Is Equifax always slower than EX and TU?

Anonymous — Sun, 11 Nov 2018 04:44:34 GMT

As you see, of the people on this thread willing to say which bureau is always slowest, 1/3 vote for TU, 1/3 for EX, and 1/3 for EQ.

Re: Is Equifax always slower than EX and TU?

Anonymous — Sun, 11 Nov 2018 05:15:00 GMT

As you see, of the people on this thread willing to say which bureau is always slowest, 1/3 vote for TU, 1/3 for EX, and 1/3 for EQ.

Exactly, as expected.

Perception is always reality for the individual. If a certain bureau is the slowest for a specific person, their perception is that this bureau is then the slowest for everyone. The fact of the matter though is that 2/3 (the majority) of the population will actually disagree with this individual.

Re: Is Equifax always slower than EX and TU?

EW800 — Mon, 12 Nov 2018 21:33:51 GMT

@JoeLuvsHisCredit wrote:
Ex is my slowest
TU is my fastest

I am surprised to see that TU is your fastest! They are literally always my slowest, by a pretty good margin!

Re: Is Equifax always slower than EX and TU?

kxkxkxx — Mon, 12 Nov 2018 21:37:36 GMT

Guess it is true...different for everyone....EX has now updated 2 times in a week...EQ has not updated since 10/11...very strange.....hopefully it will refresh soon...TU is pretty fast for me as well.

Re: Is Equifax always slower than EX and TU?

Anonymous — Wed, 14 Nov 2018 20:56:22 GMT

For me - EX is the pokey one. I recently paid a bunch of cc's off/down - EQ is the only score moving by any major amount (20+)....TU moved a point or 2 - and EX hasn't moved since last summer! LOL

Re: Is Equifax always slower than EX and TU?

Medic981 — Thu, 15 Nov 2018 14:49:10 GMT

@kxkxkxx wrote:
Seems like they are constantly behind the other 2...just wondering if anyone else has dealt with this?

I was recently added (about a month ago) as an AU and my score jumped 8 pts on EX and 15 pts on TU....was waiting for another nice jump on EQ...but they seem to be dragging their feet.

<Mod edit/note: I've made slight edits to keep your post from veering too far off-topic. --UB>

Yes, I have had a similar experience, although I have never had an AU account. My EQ CR seems to report items last and my EQ FICO scores are lower than the other CRs with less INQ on them.

Re: Is Equifax always slower than EX and TU?

kxkxkxx — Thu, 15 Nov 2018 16:37:44 GMT

Finally EQ chimed in...nice 35 point increase...so worth the wait....I guess I now know they are about 2 weeks behind the other 2 for me.