Contradiction in TU and EQ reports...

[johnsj21]

Why is that my EQ report is telling me that my "low credit usage" is helping my score whereas my TU report is telling me that my "high credit usage" is hurting me??  Both read that I am currently utilizing 28%!!!!  I just don't get it!!!

[johnsj21]

Maybe I should have put this in the FICO SCORING boards....sorry....maybe a Mod wants to move it over there.

[Jazzzy]

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@johnsj21 wrote:

Why is that my EQ report is telling me that my "low credit usage" is helping my score whereas my TU report is telling me that my "high credit usage" is hurting me??  Both read that I am currently utilizing 28%!!!!  I just don't get it!!!

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It happens. When you pull your FICO score, each credit bureau will calculate possible reasons behind your score. Your score is really a mix of many reasons and factors.

Keep in mind that TU does not like credit usage. When I last pulled my TU score, my utilization was about 8%. TU told me that my credit usage was too high. To TU, your 28% usage is too high.

[johnsj21]

Thanks for the reply....guess I better get that util down, down, down!  It's not killing me THAT bad since my scores are only about 10 points difference.