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Did you carefully compare each credit report to one another? Look at what each account is showing on each report? See my current scores in my siggy? My Equifax sucks because an account hasn't been updated since March and the account has a 35% utilization rate because of this (account actualky has a zero balance). My TransUnion report is completely missing the same account, but it's still as high as Experian, which has 100% correct information. There is a little bit of variance because each CRA has their own internal rules they go by. And TransUnion seems to be the slowest to update, FYI.
@Anonymous wrote:
Thank you for the response. I have gone through them all and they all look very similar. I will go through with a fine tooth comb and see what is different.
Let us know what you find. Any differences - reporting dates, amounts, and hard credit pulls, etc. And missing accounts. There could be something in the CRA scoring model that's giving you more points but duch that's a huge difference though...
@Anonymous wrote:
Looks like all the same line items are on the reports. Transunion has my student loans listed under negative accounts, equifax has them listed under closed and then again under negative, and equifax just has them listed. There aren’t any hard pulls since I’ve been in chapter 13 he past 5 years.
That's what it is then. That's the biggest points difference I've seen so far.
Do you have any delinquent accounts or collections that have recently reported updated monthly reporting?
Even if the update does not reflect a change if account information, it can impact scoring by effectively extending the period of delinquency on the unpaid debt......