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Which credit bureau do you least like?

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Anonymous
Not applicable

Re: Which credit bureau do you least like?

Ex because they refuse to allow me to dispute some items.
Message 11 of 39
Anonymous
Not applicable

Re: Which credit bureau do you least like?

They are ALL terrible, but as far as I concerned EX is the worst of the worst!!!   They hate me and I HATE them!
Message 12 of 39
Anonymous
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Re: Which credit bureau do you least like?



@Anonymous wrote:
Ex because they refuse to allow me to dispute some items.




I've noticed that too. I went to dispute a previously verified CO and online it told me they already investigated it.

I thought the law required them to investigate fully EVERY time I dispute.
Message 13 of 39
athensguy
Valued Contributor

Re: Which credit bureau do you least like?

I am currently not in love with EQ, primarily because the most recent update listed on their report is from 03/30, while the other two have information from a couple of days ago.
Message 14 of 39
Anonymous
Not applicable

Re: Which credit bureau do you least like?

At one time TU was my highest score then EX then EQ Currently EQ 793 the others I do not know  at this point It"s All Good with EQ. I really don"t care much for EX they are to picky TU has always gave me good scores but no pre-approved offers from them it took a act of congress to get opted in.
Message 15 of 39
atlastontheroad
Established Contributor

Re: Which credit bureau do you least like?

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
Message 16 of 39
haulingthescoreup
Moderator Emerita

Re: Which credit bureau do you least like?

TU is semi-permanently on my fecal chart, because they are so freakin' slow to update my reports!

Otherwise, I'm pretty much OK with all of them; they are what they are. EQ used to be my lowest, because EQ hates lates, but now EX is my lowest (used to be my highest), because EX really, really hates it when you re-age your history down to toddler status. Smiley Sad
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 17 of 39
Anonymous
Not applicable

Re: Which credit bureau do you least like?

I bet that today all three of'm are reporting within 3 points of one-another.
Message 18 of 39
Anonymous
Not applicable

Re: Which credit bureau do you least like?

while i don't hate them EQ will not move my score.  2 points in 6 months i think.  I need 2 pts for 700 and can't get it.  I don't understand.
Message 19 of 39
fused
Moderator Emeritus

Re: Which credit bureau do you least like?

Experian is da worst!!!!!!!!!!!!Smiley Mad
Message 20 of 39
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