Question about your experience with Equifax

[Anonymous]

My EQ has always been lowest as well with a big difference, 602 vs. 635 or 680 now they both bombed thanks to my closing a few accounts last fall.  But I have the LVNV bugger that must be paying the CRs to keep the crap on there.

EQ is the only report that people in MN seem to pull, and it doesn't help that my crappy auto finance loan is not reported to EQ, maybe it's because they know my score would go up.  One late in two & half years  Sick part is it was due to job transition, and it's the only late I've had reported on me since my divorce almost 7 years ago.

[Anonymous]

It's odd, because Ex  is my best, although it has the most negative [and incorrect] information on it.  Equifax is second, but TU is always my lowest.  I keep trying to pull a TU, but because I have stuff in dispute they won't release a report.  It is so frustrating...

[MsKmm00]

I recently had a charge off and collection removed from all three bureaus due to fraud.  TU and EX went up 15-20 points.  EQ did not budge. All this time I thought score watch wasn't working ... jokes on me.  What is up with EQ?  For me, they lag 20 points behind my other scores.  Is the scoring module for them different?

[ozgirl]

I think Equifax is just plain screwed up--even their comments make no sense. In my case my EQ score is substantially lower than my other two. The odd thing is in the comments section-- apparently, I do not have enough mortgages reporting. Well, I have a First mortgage and a HELOC --I would think that is plenty. Additionally, my report shows two previous mortgages that were paid off. I also have noted that a number of CC do not report to Equifax or if they do it is not as consistent.