Anyone have identical EQ, TU, EX reports?

Anonymous · ‎09-11-2007

All of my reports are different, but the scores are kind of close. Does anyone have the same data on all three reports? Is it the FICO the same?

Anonymous · ‎09-11-2007

The reports differ because creditors decide which one/s they want to report to. Just because they report to the CRA doesn't mean that they have to report to all 3. Some do/some don't.

MidnightVoice · ‎09-11-2007

And they all use slightly different scoring models as well, and take different times to update.

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎09-11-2007

Nope- TU has almost all of my TL's and accounts and loans, EX and EQ have much less.

Tuscani · ‎09-12-2007

None of my reports are the same.. but my EX and TU scores are identical right now. I should win a prize or something.

Anonymous · ‎09-12-2007

All same except:
TU has 1 extra TL (lost/stolen CC)
EQ is missing a Mortgage (should have been re-inserted by now)

And EX does not have any of my old student loans.

Anonymous · ‎09-12-2007

EQ for me is 9 years old EX is 8 and TU is 6

Lots of different things including a local student loan PIF on EQ that is not listed anywhere else. Plus a lot of CSF that only report to EQ.

Anonymous · ‎09-12-2007

Credit Summary

Experian Equifax TransUnion

Satisfactory accounts 18 10 14

Now delinquent/derogatory accounts 0 0 0

Was delinquent/derogatory accounts 3 4 3

Public records 0 0 0

Not even close!!!!

Tavares · ‎09-13-2007

99% Identical. With the diference being TU missing one really old Car Loan Account.

The scores are a different story now

But they are all +-20 Points different. I belive the different is due to some accounts being market as open on EX and EQ where they are really closed. TU is my lowest score.

Lets hear more stories,

Tavares

FAKO - EX: 749 | EQ: 769 | TU: 749

Anonymous · ‎09-13-2007

Tavares wrote:
99% Identical. With the diference being TU missing one really old Car Loan Account.

The scores are a different story now But they are all +-20 Points different. I belive the different is due to some accounts being market as open on EX and EQ where they are really closed. TU is my lowest score.

Lets hear more stories,

Tavares

We must have the same report!

Mine are all the same as well except TU missing my HELOC. Scores are also + - 20 points. TU 742 EX 762 EQ 782