Until last week, EX hated me a LOT. They flat out told me they wouldn't reinvestigate, they lied. But when the last bad, bad, collection dropped, they graced me with 75 points. We're still in the honeymoon phase. I don't entirely trust 'em, mind you.
EQ ewwwwwwwwww. The last baddie dropped and I got 20 points. I think they're holding out and I'm reserving judgement until after the 28th when there are zero balances and <20% UTI.
Last week, my friendly USAA rep hinted that they use EQ because they're "not as easy" as the other two. So, I won't be asking for a USAA CLI or auto loan anytime soon.
TU is as clean as they come for me. Seems that no one but the local CU (and yes, I'm grateful that the CU pulls them) pulls TU but that's ok.
Ask again next month. Things are sure to change.
atlast.....
Ficos 2/17/08: TU 551 EQ 534 EX 587
Ficos 2/12/09 TU 695 EQ 715 EX 715
Fico...4/15/10....drumroll.....EQ 743