Why Only One CRA?

Anonymous — Wed, 28 Jan 2009 05:05:24 GMT

Well, I'm growing up (23) and I guess adults are supposed to know about these things. So I bought all three from myFICO - 756 from TU, 768 from EQ, and 778 from EX - and so good enough I guess. My wife got 760 from EQ, but the others couldn't be purchased.

The biggest problem is that I don't have a history - 5 years for a CAP1 card, 3 for Target, 3 for Gap. The only one I use is CAP1, and from what I've read I need to spread it around and just wait for time to pass. What a pain, I like free points when I pay it off every time, but I think I can figure that out.

To the point, my wife tried purchasing the complete myFICO, but only EQ went through. (I'm glad myFICO was smart enough to just charge standard.) I get that she too has a limited credit history, but she has 5 cards and 2 student loans and stolen cards - something like 12 accounts. Shouldn't the other guys pick up on all that at least as much as the picked up on me with just a few accounts? Does it have to do with the answer she gave to her history? Or has literally every company reported to EQ?

Thank You.

Re: Why Only One CRA?

Tuscani — Thu, 29 Jan 2009 20:02:37 GMT

A lot depends on where you live and the creditor. You could simply ask the creditor to report to all three. All they can do is say no.

topic Why Only One CRA? in Understanding FICO® Scoring

Why Only One CRA?

Re: Why Only One CRA?