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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!
@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.
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.
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"
Thanks. You have a cute puppy! (Assuming your gravatar is your pup.)
thank you!!!
that is my baby beagle pandora...i call her my baby shenanigan she'll be 3 in may.
we also have another beagle, patti, that will be 4 in november. she is our rescue beagle.
Such a cutie!
I have 2 Bichon Frises -- they're my babies, but they're both senior citizens.
cute! sometimes i wish mine were as slow as senior citizens
I remember that puppy energy! I'm so longing for a puppy, but trying to hold out until after I move.
i wonder how your pups will respond to a new little one! do you have girls or boys?