Re: Equifax- cleanest report = lowest score

EW800 · ‎04-27-2017

@Thomas_Thumb wrote:

P.S. A little bit of radioactive dirt or lead tainted dirt is worse than cow manure - even though neither smell as bad.

I love it!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Anonymous · ‎07-05-2017

@Anonymous wrote:
So, all other factors being equal, I'm guessing that come July 1st (when your Equifax AAoA crosses the 5-yr threshold) you will see a significant jump... very possibly bringing it above the other two scores.

jdxprs1, if you're still reading this and monitoring your scores, did the arrival of July bring a significant Equifax score increase as speculated?

SouthJamaica · ‎07-06-2017

@jdxprs1 wrote:
I have 1 collection account for $260 that shows up on all 3 reports. I have 2 medical collections that show up on experian and transunion.

AAOA is 5 months lower on equifax (4yr 9mo vs. 5yr 2mo) due to an account im an AU on shows up only on trans and experian. I have 9 open revolving lines and utilization under 2% on all 3 accounts.

That's a possible reason for the score difference. Equifax AAOA is under 5 years while the others are over 5 years.