topic Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ?? in Understanding FICO® Scoring

Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Anonymous — Wed, 14 Apr 2021 13:29:24 GMT

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Remedios — Wed, 14 Apr 2021 14:50:12 GMT

@Anonymous hi and welcome

Posing a question in the title without any additional information isn't enough for anyone to answer your question.

Scores don't drop because you get increase, so more is needed from you

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Anonymous — Wed, 14 Apr 2021 16:23:37 GMT

Hey Remedios

Thanks for the reply, Ok I used one of my CC for a purchase and the balance increased of course, and according to one of the credit monitoring companies that was the only change that was shown, just wondering why the difference in point drops between the two reporting agencies ?

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

dragontears — Wed, 14 Apr 2021 22:48:50 GMT

Are you looking at credit karma?

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Anonymous — Thu, 15 Apr 2021 12:13:27 GMT

Hey Dragon,

Credit Karma / Credit Sesame

Thnx

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Remedios — Thu, 15 Apr 2021 13:18:31 GMT

@Anonymous vantage scores are "different" and quite neurotic.

Smallest balance changes can cause them to go up/down.

Good news is, they aren't really used in lending, but CK, Credit Sesame, Wallet Hub are good for monitoring your report as long as you ignore their scores.

If your cards provide you with Fico score, that's what you should be looking at.

If not, I believe EX still offers a free trial, and you can also use (almost free) trial here https://www.creditchecktotal.com/ to check all three CRAs

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Brian_Earl_Spilner — Thu, 15 Apr 2021 13:27:31 GMT

Besides the whole VantageScore vs fico thing, the bureaus all calculate scoring differently, so you will almost never get the same score increases or decreases across the 3.

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Anonymous — Fri, 16 Apr 2021 12:18:27 GMT

Remedios,

Thnx for the insight

Re: Why did my TU score drop 19 points and EQ only 9 points for the same credit increase ??

Anonymous — Fri, 16 Apr 2021 12:19:19 GMT

BES,

Thnx for the info