Last month when I pulled my scores from CCT my TU was 624, EQ 648 and EX 657. In the past month a 12 yr old acct fell off my EQ report so I knew that score was gonna suffer. My UTL went from 17% to 6%. The only other change was a $662 collection was removed from EQ & EX. I'm wondering why my EQ is so low? Now my TU & EQ reports are EXACTLY the same. It doesn't seem like my score improved at all from the collection falling off but I know my EX score went up 9 pts from that alone. Also, is your middle score the average or would mine be 648?