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AWB Sensitivity differences

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Zoostation1
Valued Contributor

AWB Sensitivity differences

I've seen a number of references to Experian being less sensitive to AWB than EQ and TU.  Does that typically only apply to clean scorecards?   On all reports it's the same AWB for each CRA with EQ8 on the left, TU8 in the middle and EX8 on the right in yellow.  Over the last year's worth of 3B reports, it's never been my highest score and 6 times it's been my lowest  (for some reason in Nov 2025 my report failed when trying to pull EX so I'm missing one month of EX8 data, though it was at 700 on 10/25/25,  the last update I had before the 3B pull and nothing new reported between). All 3 CRAs always had 3/7 cards reporting except July 2025 when 2/7 reported, and both EQ and EX were 0/12 for this stretch on HPs.  TU was 1/12 except for March and April 2026.  This has me thinking that maybe the AWB sensitivity differences aren't applicable or are less applicable to dirty profiles.  Thoughts?

 

Screenshot 2026-04-23 213728.png

Rebuild Started Nov 2021, TCL $103.2k
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Nov 2026 FICO 8:
Nov 2026 FICO 9:
Nov 2026 FICO 10:
Nov 2026 FICO 10T:

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1 REPLY 1
BrutalBodyShots
Established Contributor

Re: AWB Sensitivity differences

Not just less sensitive on EX8, completely bulletproof. I'm not sure about dirty scorecards, but on clean scorecards AWB% makes no difference at all on EX8. I've gone all the way from AZEO to 100% AWB back to AZEO (with 6-9 cards) and seen my EX8 not move a single FICO point. TU8 and EQ8 however will show a good 15 points of movement give or take for the same exercise.

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