EX just doesn’t like me!

[Anonymous]

I for the life of me can't figure out why I have a 44 point difference between my EQ/TU scores & my EX score.  I have reviewed all of my accounts and they are all the same across all 3.  The only difference is that my EX shows 10 inq & EQ/TU show 5.  Would that be cause for such a large variance is score??

[Anonymous]

When I first joined MyFICO about 2 and a half yrs ago, I had similar scores to yours, with EX being my lowest, and still is! Lol
Anyway, HP will definitely hurt your scores, but only temporarily. I think no more than 1 year, and after 2 yrs they fall off. 10 INQ’s is a lot and I believe I had a similar amount when first started here, but that was the only thing holding my EX score back except my age of accounts then. My profile was very thin. Is there anything else on your EX report other than too many INQ’s that could be affecting your score? (ie, lates, delinquency). If it’s just a matter of INQ’s, chill for awhile, let those INQ’s fall off your report and age the accounts you have now. Good luck!

[Anonymous]

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@Anonymous wrote:
When I first joined MyFICO about 2 and a half yrs ago, I had similar scores to yours, with EX being my lowest, and still is! Lol
Anyway, HP will definitely hurt your scores, but only temporarily. I think no more than 1 year, and after 2 yrs they fall off. 10 INQ’s is a lot and I believe I had a similar amount when first started here, but that was the only thing holding my EX score back except my age of accounts then. My profile was very thin. Is there anything else on your EX report other than too many INQ’s that could be affecting your score? (ie, lates, delinquency). If it’s just a matter of INQ’s, chill for awhile, let those INQ’s fall off your report and age the accounts you have now. Good luck!

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I have a few delinquencies, however they are all on each report.  The only difference between the 3 reports are the 5 additional inq on my EX.  I just wouldn't have thought inq would have a 44 point impact.  I will have 3 inq become unscorable next month, so I'll see what kind of bump I get from those dropping.

[Remedios]

My EQ score is 779. EX 759. The only difference is number of HPs.
It's normal.

[Remedios]

Another thing I keep forgetting is that each CRA has slight *tweaks* so they may weight different factors differently
Even identical data can lead to all three scores being different.

In your case, number of HPs and slight variances between them (especially with dirty files) are enough to cause that scoring difference.

[SouthJamaica]

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@Anonymous wrote:

I for the life of me can't figure out why I have a 44 point difference between my EQ/TU scores & my EX score.  I have reviewed all of my accounts and they are all the same across all 3.  The only difference is that my EX shows 10 inq & EQ/TU show 5.  Would that be cause for such a large variance is score??

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The difference in inquiries would not, in and of itself, account for that large a disparity.

[Anonymous]

Whether or not the inquiries could account for that discrepancy alone depends on what scorecard you are on. You haven’t given us the information to attempt to determine that, so it’s kind of hard to answer your question. If you’ve got a young/thin file one inquiry can cost up to 17 points. Just ask @CassieCard.

[Anonymous]

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@Anonymous wrote:
Whether or not the inquiries could account for that discrepancy alone depends on what scorecard you are on. You haven’t given us the information to attempt to determine that, so it’s kind of hard to answer your question. If you’ve got a young/thin file one inquiry can cost up to 17 points. Just ask @CassieCard.

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Thanks.  I have the following:

AAOA -

TU -5yr 6mo

EX - 5yr 8mo

EQ - 5yr 9mo

AOOA -

TU - 11yr 1mo

EX - 11yr 1mo

EQ - 12yr 5mo

AOYA - 5mo

4% overall uti (AZEO currently, so highest uti is 4%) AMEX Gold reports a balance every month, however not factored in UTI.

INQ -

TU - 5

EX - 10 (3 of these will reach 1 yr next month)

EQ - 5  

5 CO accounts reporting, DOFD - August 2016 on all.  All accounts reporting on all CRA's.

1 Auto account with 30 day lates.  Account paid and closed in Oct 2018.  Last late 2 yr 3 mo ago.  Auto Late Count:

TU - 10 30 Days

EX - 6 30 Days

EQ - 5 30 Days

Opened 6 revolving accounts in last 12 months.  Only had one open revolving account from Oct 2016 - Feb 2019, Best Buy.

let me know if anything else may help.

[Anonymous]

Well your latest post appears to contradicts your first post. You said all the accounts were the same across all three bureaus except for the inquiries. Obviously that’s not true, your AoOA is different on EQ, so that indicates you’ve got an account on EQ that you don’t have on the others. Either that or one has the wrong opening date.

Likewise your AAoA is different at each bureau indicating differences. You don’t even have the same number of derogatories across bureaus. They’re definitely not the same except for just inquiries.

Either way you’re on a dirty scorecard, so AoOA isn’t relevant, neither is AoYA. They’re both segmentation factors on clean cards not dirty cards.

There’s no way to say conclusively, but my guess is it going to be a combination of the derogatories being weighed more heavily by EX plus the inquiries.

As it was stated upthread, the bureaus do have differences in how they weigh factors. it appears derogatories of your type maybe weighed more heavily at EX.