@ladyjaye82 wrote:Maybe this has been discussed previously but it appears that TU places a much heavier weight on dergatories on your report than EQ and EX. The only thing I have backing this is up is that when I had an old charge off EE back in February my score jumped 23 points. Last week I had a GW success with an old 30-day late and my score just jumped another 23 points. The removal of that same 30-day late only netted me an 8 point gain with EQ and EX hasn't reported it yet. I just had that same charge-off EEd from EX last week so maybe I'll see a good bump there too. I've officially hit my first goal of 650 with TU. Now I'm just begging EX and EQ to slowly but surely go up.
The CRAs dont weigh anything they are just a repository of information. I think you maybe saying that Fico weighs things differently on TU, the algorithm is tailored to fit how the data is held at each of the CRAs so scores will always be different among the CRAs even if they are pretty much reporting the same info.
Using my personal profile, with the one late payment I jave due to fall off in a year, the numbers are almost identical for my reports. It may be how each one is calculating the overall info when the score is determined that makes it different.
