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Equifax score low??

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Anonymous
Not applicable

Equifax score low??

Why is my Equifax score always 35-40 points lower than my other two scores? I have double checked all three reports and they have the same things on them, but my Equifax score is always 35-40 points lower.
Message 1 of 7
6 REPLIES 6
Junejer
Moderator Emeritus

Re: Equifax score low??

Simple answer is that the three major CRAs have different algorithms that are used to generate the FICO scores that they use. Each of the CRAs have certain things that they weigh more heavily than the others.

If you don't mind, post back here what you have on your reports and some of the more knowledgeable members can chime in.






Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Message 2 of 7
Anonymous
Not applicable

Re: Equifax score low??

Don't take it too personally, Equifax hates me too!
Message 3 of 7
Anonymous
Not applicable

Re: Equifax score low??

Me three!

 

EQ: 648

EX: 681

TU: 891

Message 4 of 7
marty56
Super Contributor

Re: Equifax score low??

EQ is much harder on derog info then the others
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 5 of 7
Anonymous
Not applicable

Re: Equifax score low??

And another! Every other score has been going up but EQ..in fact it just went down for no reason!

Although in 1 year it has gone up 40 points lol

 

Message 6 of 7
Anonymous
Not applicable

Re: Equifax score low??

I beg to differ, sir.

 

IMO, TU is the toughest -  on everything. 

 

 

 

Message 7 of 7
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