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EQ vs TU FICO?

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bichonmom
Senior Contributor

EQ vs TU FICO?

Okay. I'm kinda doing the happy dance right now. My one collection FINALLY came off of TU, and my TU FICO jumped from 673 to 776 (over 100 points! Woohoo!) My question is: why didn't the same thing happen w/EQ?? When the collection came off of EQ, I didn't even realize it because my score did not increase at all. In fact, it dropped (either because of new CCs or reporting CC balances). It's rebounded since I paid the CCs, but still it's in the same vicinity as it was with the collection on. I just don't get it. I was really hoping that when it came off, my score would go over 700.

 

The only diff between EQ and TU reports is an old acct from 1987 that miraculously is reporting on TU.

 

Could someone explain how EQ scores differently than TU (Walmart version), and maybe why one went up so much and the other didn't budge?

 

Thanks! Smiley Happy

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 1 of 15
14 REPLIES 14
laz98
Senior Contributor

Re: EQ vs TU FICO?


@bichonmom wrote:

 

The only diff between EQ and TU reports is an old acct from 1987 that miraculously is reporting on TU.


I'm guessing this.  This old account is probably boosting the heck out of your TU score, depending on what your other accounts look like.

Message 2 of 15
bichonmom
Senior Contributor

Re: EQ vs TU FICO?

I'm sure the old acct is helping my score. I just don't get how there could be such a huge jump with TU and virtually no change with EQ.

 

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 3 of 15
laz98
Senior Contributor

Re: EQ vs TU FICO?

I had the same experience as you.  My one baddie fell off my reports, & both my TU (from here & from Walmart) & EQ dropped while EX jumped 41 points or so.  I wish I could say why, but all I can really say is the very vague "TU & EQ weigh things differently" Smiley Indifferent

Message 4 of 15
bichonmom
Senior Contributor

Re: EQ vs TU FICO?

Thanks. You have a cute puppy! Smiley Happy (Assuming your gravatar is your pup.)

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 5 of 15
laz98
Senior Contributor

Re: EQ vs TU FICO?

Smiley Happy  thank you!!!

 

that is my baby beagle pandora...i call her my baby shenanigan Smiley Tongue she'll be 3 in may.

 

we also have another beagle, patti, that will be 4 in november.  she is our rescue beagle. Heart

Message 6 of 15
bichonmom
Senior Contributor

Re: EQ vs TU FICO?

Such a cutie! Smiley Tongue

 

I have 2 Bichon Frises -- they're my babies, but they're both senior citizens. Smiley Happy

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 7 of 15
laz98
Senior Contributor

Re: EQ vs TU FICO?

cute!  sometimes i wish mine were as slow as senior citizens Smiley Indifferent

Message 8 of 15
bichonmom
Senior Contributor

Re: EQ vs TU FICO?

Smiley Happy I remember that puppy energy! I'm so longing for a puppy, but trying to hold out until after I move. 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 9 of 15
laz98
Senior Contributor

Re: EQ vs TU FICO?

i wonder how your pups will respond to a new little one!  do you have girls or boys?

Message 10 of 15
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