Over the many years I've seen what seems like certain characteristic differences between the bureaus. I'm sure/know there are many.
Unfortunately for testing, but fortunately my scores are high but after reaching 850 on F8's and subsequently opening accounts it seems EX will not reach 850 (or maybe I don't have enough buffer with them) when I have an account less than a year.
I've been at or below 849 with EX since opening a new account 11/2020. Will see if this changes 11/2021. No derogs, > than 4% individual and aggregate on revolvers that reports each month and > than 50% UTL on my MTG, I'm still at 849 to date.
I lost no points with EQ with the opening of the new account, 15 with TU and 16 with EX. INQ was only on TU. Regained my 850 with TU by 5/2021 and up to 849 in the same month. This is familiar. When I opened a new account in 9/2019, INQ with EX and did not regain my 850 until 9/2020 with EX to be lost 2 months later with another new account (new acct penalty only). AAoA remained above 11 years.
I keep very low CC use, not a factor as I can see, no derogs and all but EX will allow me to reach 850 with a new account under a year. 850 is not the issue but recognizing the differences in the bureaus.
Any other clear characteristic differences between the bureaus and other scores you've seen?
I definitely see it with MTG scores depending on dollar balance reported even though very low %. TU seems very sensitive to dollar amounts I assume, opposed to % of UTL.
Just maybe from your siggy @Trudy :
As of 09/01/21:
AoOA - 25Y6M | AoYA – 0Y10M | AAoA – 12Y4M
Once it hits 1 yr possibly
Thanks. Yep, I expect it 11/1 which equals 1 year. Just found it interesting, not surprising that it won't allow me to have the 850 unless AoYA is at least 1 year whereas the others allow it before.
The base of each CRA is the FICO format. Though each have their own tweaks on top. If all were the exactly the same. There'd be only 1 CRA. Heaven forbid!!!!!!!!! Wont say which one.