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EQ & EX raise CS but TU never changes Why?

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Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

Not enough information to comment really.  We don't know if the OP has identical CR data between all 3B, or if his TU report differs from EX/EQ.

 

Perhaps OP is capped out on TU based on his scorecard.

Message 11 of 17
Rebuild2019
Valued Contributor

Re: EQ & EX raise CS but TU never changes Why?

@mocean I see no difference in my TU in what’s reporting. The only difference is pulls:
TU - 3
EX - 2
EQ - 1
I paid off all of CAP1 except $27 this month. TU is the only one not showing it. Waiting to see if I have a score this month.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 12 of 17
Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

Janus Sig isn't accurate and it's too tedious to figure our how to remove it. That said, I'm not sure what any of your questions have to do with why EX and EQ move while TU does not.
Message 13 of 17
Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

BrutalBodyShots I posted that all 3 were the same but for one item. TU reflects 1 hard inquiry while EQ and EX reflect 2.
Message 14 of 17
Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

If a score doesn't change for 10 months and you aren't changing your report (adding new accounts, etc) IMO it's capped by your scorecard.

Message 15 of 17
Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

BrutalBodyShots If what you say is true, that my TU score is stuck due to my scorecard, any idea why both EQ and EX aren't stuck as well?
Message 16 of 17
Anonymous
Not applicable

Re: EQ & EX raise CS but TU never changes Why?

Because all 3B are not created equally and they can behave in different ways when handling the same data.

Message 17 of 17
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