Equifax way behind other 2 scores

[Anonymous]

Long time member here working on another one and looking for advice. Just signed up again for full reports and quarterly 3B. My 3B shows that my Equifax is quite behind and it looks to be the credit history length/average age of accounts causing it. Showing 4.5 years on trans/exp and only 4 years (considered faif) with Equifax.

I had a Cap. One card from 2008-2010 that was included in bankruptcy. It is showing as a positive with trans/exp because I did have a year and 4 months of making payments on time. Also shows as paid/good standing with trans/exp. This was completely missed with Equifax because it's blank. No reporting for this card at all with Equifax.

I talked to Cap. One and they gave me an address to mail the details to. Is this the correct route to take? Here are my scores:

Scores:

Equifax: 703

Trans: 720

Exp: 727

[Anonymous]

Wow!  I was told in the Shawshank Redemption that you didn't exist and here you are posting

[Anonymous]

I'm a phantom, an apparition, second cousin to Harvey the rabbit

[iv]

I wouldn't do anything to try to get an IIB account added back to a report, no...

The difference between 4 years and 4.5 years is minimal (and that gap will get even less significant as time goes one), and a 24 point spread from highest to lowest score is well within the expected range of variation, even with basically identical data.

Also, if that card was closed/last reported in 2010 or earlier, it will completely fall off the reports in 2020 (or earlier) anyway, even on the other two CRAs.

Just let it be.

[800FICOGoal]

I agree with iv. My EX score is laggin 17 points behind my EQ. It will even out eventually.

[Anonymous]

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@800FICOGoal wrote:

I agree with iv. My EX score is laggin 17 points behind my EQ. It will even out eventually.

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Not necessarily.  Even with identical CR data isn't not uncommon for people to experience a score variance of 10, 20 or even in outlier cases 30 points between scores.  For some people they never "even out" and it just is what it is.

OP, definitely don't get caught up in that "fair" verses "good" crap that CMS fluff front-end software tells you.  Just because they assign words to numbers doesn't make the words right... the numbers are what matter, in this case 4.5 years verses 4 years.  If you open no new accounts (and no old ones drop of) by definition in 6 months time your lowest bureau AAoA will be at the point your highest is at currently.  Of course, that also means that your highest ones will then reach 5 years.  Variances between scores is incredibly common and I wouldn't consider your EQ score "way behind" the other 2 at all... they are all perfectly within the same acceptable range of one another currently.