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Equifax Problems

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Pway
Valued Contributor

Equifax Problems

Today, as I purchased a new set of scores from CCT, I notice that my Equifax is 30 points lower than my other scores.  I went over my reports with a fine tooth comb again and I am just lost.  I don't know how this could be?  Is there a problem with Equifax?  Is there any one else that is having this problem?  I have not had problems before when checking my scores.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 1 of 6
5 REPLIES 5
p-
Valued Contributor

Re: Equifax Problems


Pway wrote:...my Equifax is 30 points lower than my other scores. ...I don't know how this could be?

The only possible explanatrion is there has to be something different between the reports.  Look at inquiries, dates, and every account.  Odds are there is either a derog or inquiry on there that is not on the others, or a positive account that is not on the equifax.  Or, it could be as simple as they posted a statement update on a credit card, or have one extra late payment.  

 

There's something different.

Message 2 of 6
Pway
Valued Contributor

Re: Equifax Problems

There is one account that is not reporting but that should not make a 30 point difference and it is Macy's.  Everything else on my reports are the same.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 3 of 6
RonM21
Valued Contributor

Re: Equifax Problems

I haven't noticed any issie with CCT but then again the last time I updated my EQ and TU reports was at the beginning of the month.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 4 of 6
p-
Valued Contributor

Re: Equifax Problems


Pway wrote: There is one account that is not reporting but that should not make a 30 point difference and it is Macy's.  Everything else on my reports are the same.

What is the age and status of the macy's account as related to your overall? How many other positive and negative tradelines do you have?

Message 5 of 6
dragontears
Senior Contributor

Re: Equifax Problems


@Pway wrote:

There is one account that is not reporting but that should not make a 30 point difference and it is Macy's.  Everything else on my reports are the same.


I have a very old, closed sears card that is on EX and EQ but not TU and my TU is about 30 points lower than the others

Message 6 of 6
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