topic Re: On average which is higher?? in Understanding FICO® Scoring

The 3 Big Credit Bureaus??

firemartinez1980 — Wed, 06 May 2020 12:51:42 GMT

Of the big 3 - Equifax, Experian, TransUnion

Which on average gives the lowest score??

I know things can vary on your reports, but when 95% of your information is the same on all credit reports, what have you seen is typically the lowest score?

Just Curious

Re: The 3 Big Credit Bureaus??

Anonymous — Thu, 07 May 2020 00:02:57 GMT

@firemartinez1980 wrote:
Of the big 3 - Equifax, Experian, TransUnion

Which on average gives the lowest score??

I know things can vary on your reports, but when 95% of your information is the same on all credit reports, what have you seen is typically the lowest score?

Just Curious

Mine is definitely TU. It will totally depend on what is reporting and how. Information vary wildly.

TU has 35 accounts listed (mostly negative), where as EQ has 31 and EX has 29. That is where my difference is coming from.

Each CB doesnt have all the same accounts because certain lenders only report to 1 or 2 of the 3Bs. Or one of the CBs removed a TL where as the others didn't. Payment history is also different depending on when they update and when they drop off lates, etc. I would say there is no specific CB that reports better or worse than the others. It is all about what info they have on you, specifically.

Re: The 3 Big Credit Bureaus??

Anonymous — Thu, 07 May 2020 01:11:00 GMT

TU for me also. For some reason an account which has been closed for over 12 years still reports on EX. Two cards were lost and replaced now report twice on EQ which adds to my total CL. Interesting, one of the cards reports a balance from a couple of years ago, but updates that I am current.

Re: The 3 Big Credit Bureaus??

blindambition — Thu, 07 May 2020 01:24:46 GMT

TU for me as well. Although, the 3 only vary 5-10 points for me.

EQ and Ex have same accounts. TU has additional with my AppleCard. That also slightly lowers my AAoA. Then reports updating at different times, balances won't always show same.

Re: The 3 Big Credit Bureaus??

SouthJamaica — Thu, 07 May 2020 12:21:44 GMT

@blindambition wrote:
TU for me as well. Although, the 3 only vary 5-10 points for me.
EQ and Ex have same accounts. TU has additional with my AppleCard. That also slightly lowers my AAoA. Then reports updating at different times, balances won't always show same.

TU is always my highest. I think it's because it receives fewer hard pulls.

EQ is always my lowest. I think it's because one of my oldest revolving accounts, which is closed, and 3 other older revolving accounts, which are also closed, have been dropped from the reports, while continuing to report on the other 2 bureaus.

Re: The 3 Big Credit Bureaus??

AzCreditGuy — Thu, 07 May 2020 15:02:30 GMT

Mine is TU and theres no reason lol

Re: The 3 Big Credit Bureaus??

Brian_Earl_Spilner — Thu, 07 May 2020 15:15:15 GMT

Re: The 3 Big Credit Bureaus??

Andypanda — Thu, 07 May 2020 15:27:52 GMT

For me it it has been EQ for the last 2 years.

Re: The 3 Big Credit Bureaus??

M_Smart007 — Thu, 07 May 2020 16:29:34 GMT

My lowest is Always EQ, because they report a Citibank Card that is closed as open!

So I have 1 extra Citibank Account (3) reporting open and (1) closed.

My other reports only have (3) .... (2) open and one closed.

I do get $11,000 extra Util. padding, but it drags my AAoA down slightly.

TU is always the Highest, Because I have (2) HSBC cards ..and they do NOT report to TU.

So My AAoA is higher.

EX Reports all accounts correctly, and it is usually a hair below TU.

I am beyond scoreable Inquiries on all 3 bureaus. So no penalty for those whether 20 or 36.

My Current Inqs .. with 6 to drop off EX this Saturday. not sure about EQ & TU

Re: The 3 Big Credit Bureaus??

MT936 — Sat, 09 May 2020 01:20:16 GMT

It depends on which bureau(s) your lenders use, which is why score variances are different from person to person

On average which is higher??

firemartinez1980 — Sun, 17 May 2020 13:03:52 GMT

I understand that with the three different credit bureaus they each report differently and they report at different times and they each take different things into consideration but on average which credit bureau usually has the highest score out of the three?

It seems to me after reading a ton of posts on this forum and looking at my own scores over the past few years that Equifax is always the lowest but that just may be my opinion.... Thoughts?

Re: On average which is higher??

VanderSnoot — Sun, 17 May 2020 13:41:07 GMT

My understanding is that there isn't a reliable trend. Currently, EQ > EX > TU for me.

Re: On average which is higher??

BmoreBull — Sun, 17 May 2020 14:41:44 GMT

I think it has something to do with your geographical location. It seems that depending where you live, certain bureaus are pulled more than others. My TU is always lower than my other scores, but has the least amount of inquiries. It doesn’t make much since to me. My ex has 12 inquiries ( 8 from buying a car), eq 9 inquiries, TU has only 5. Scores are listed below and TU has always lagged behind, no matter what.

Re: On average which is higher??

MudkipsRKooL — Sun, 17 May 2020 20:28:44 GMT

My TU is the highest (almost no credit pulls). Equifax is 2nd, then Experian is lowest (most pulls). Before I got 2 cards recently my TU was at 800s meanwhile my EX/EQ was at 760-770s.