@mikey78 wrote:
ok i have my discover balance reported on each of my EQ and EXP reports
But EQ score dropped 5 points where EXP points when up
both have same debt to credit ultilization
Eq has less inquiries pulled but do have 1 negative and judgement (Satisified)
EXp has 13 inquiries pulled but only have 1 negative (judgement was deleted)
Each has their own algorhythm for determining a score. While one factor might seem to be a big negative or positve to one CRA, may not be so big to another CRA. And there could be other factors at play here.
Keep in mind that the EQ you get here is a Beacon 5.0 and there's a newer Beacon 9.0, but that's not used very much. The EX you get here, however, is the "late and greatest" EX08, but converse to EQ, this version available here is not the most common, as there's an EX04 version that most lenders use. EX08 here, from what I've read anecdotally, is more forgiving of some factors than EQ would be.
For whatever reason, EQ is also weird for me as well. I was looking at my 3 reports earlier today, and EQ had 1 less credit card account noted, compared to the other two. I went through my reports with a fine toothed comb and for the life of me, I couldn't find the difference. I have no idea why EQ says I have 1 less card when the reality is I don't.
