https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181382#M305066 <P>I just updated all three bureaus FICO8 through Experian and I had some expected drops from my only AU card reporting zero on EX and TU (16 points and 13 points respectively) but my EQ FICO8 score went up 10 points.&nbsp; The only difference across the reports is inquiries (EX: 3, EQ: 0, TU:1), all accounts are reporting the same balances across all three bureaus.&nbsp; Could 0 vs. non-zero inquiries affect point loss from AU AZ penalty? Or is there some sort of delay with Equifax? I can't cross-reference with myFICO because Equifax rarely updates on my dashboard.</P> Tue, 10 Nov 2020 18:20:45 GMT ChemE_Bear 2020-11-10T18:20:45Z https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181382#M305066 <P>I just updated all three bureaus FICO8 through Experian and I had some expected drops from my only AU card reporting zero on EX and TU (16 points and 13 points respectively) but my EQ FICO8 score went up 10 points.&nbsp; The only difference across the reports is inquiries (EX: 3, EQ: 0, TU:1), all accounts are reporting the same balances across all three bureaus.&nbsp; Could 0 vs. non-zero inquiries affect point loss from AU AZ penalty? Or is there some sort of delay with Equifax? I can't cross-reference with myFICO because Equifax rarely updates on my dashboard.</P> Tue, 10 Nov 2020 18:20:45 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181382#M305066 ChemE_Bear 2020-11-10T18:20:45Z https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181404#M305068 <P>My Equifax is always last to report, it's possible they haven't updated. There is a penalty for all AU reporting 0.</P><P>The +10 could be related to an EQ aging milestone.</P> Tue, 10 Nov 2020 18:57:21 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181404#M305068 blindambition 2020-11-10T18:57:21Z https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181452#M305069 <P>It is updated though, the accounts reflect the same balances as EX and TU.&nbsp; I am not sure there would be a delay in between the credit report updating and a change in the score, at least I have never experienced that (on Experian, myFICO is different). I'm aware of the AU AZ penalty, just unsure why it wasn't happening on EQ.</P> Tue, 10 Nov 2020 19:39:13 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/What-s-up-with-Equifax/m-p/6181452#M305069 ChemE_Bear 2020-11-10T19:39:13Z