cancel
Showing results for 
Search instead for 
Did you mean: 

Why is my equifax score lagging!

tag
sihmud
Regular Contributor

Why is my equifax score lagging!

hi all,

 

i filed BK back in 2021, DC was 02/2022. have some pretty decent cards with pretty good limits. i want a PENFED card. i know they pull EQ FICO 9 so i have been monitoring that score and waiting for it to hit a decent number before applying. here's the thing, that score isn't moving! while all my other scores as soaring and between 670-695 Equifax seems to stay between 605-615. even when I paid all my credit cards off and all my scores fluctuated up about 20-30 points, Equifax moved between 2-6 points.. **bleep**?!

Message 1 of 7
6 REPLIES 6
GatoradeZeroGuy
Valued Contributor

Re: Why is my equifax score lagging!

pull your official EQ report: https://annualcreditreport.com/ 

likely something isn't being reported right from your BK on EQ compared to TU/EX

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 2 of 7
Lawns1
New Contributor

Re: Why is my equifax score lagging!

I would pull your report and very slowly go through everything on it.  There has to be something that is not reporting correctly, take advantage of the free credit report and give yourself the benefits of the hardwork you have been doing with a dispute if needed.

Credit Unions


Credit Cards


Auto Loans


April 2023 right before the 13 reports complete

December 2022

November 2019 Chapter 13 Scores


Message 3 of 7
sihmud
Regular Contributor

Re: Why is my equifax score lagging!

@Lawns1 @GatoradeZeroGuy 

 

What exactly should I be looking out for? All theee reports seem to match. All accounts show included in BK. it's just the fico 9 score thats stays low. All other EQ scores are decent.

Message 4 of 7
FireMedic1
Community Leader
Mega Contributor

Re: Why is my equifax score lagging!


@sihmud wrote:

hi all,

 

i filed BK back in 2021, DC was 02/2022. have some pretty decent cards with pretty good limits. i want a PENFED card. i know they pull EQ FICO 9 so i have been monitoring that score and waiting for it to hit a decent number before applying. here's the thing, that score isn't moving! while all my other scores as soaring and between 670-695 Equifax seems to stay between 605-615. even when I paid all my credit cards off and all my scores fluctuated up about 20-30 points, Equifax moved between 2-6 points..


Always have 1 card report a balance.


Message 5 of 7
sihmud
Regular Contributor

Re: Why is my equifax score lagging!

@FireMedic1 

i go have one reporting a balance 

Message 6 of 7
sihmud
Regular Contributor

Re: Why is my equifax score lagging!

Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.