Experian and Util....

Anonymous · ‎01-05-2016

I am wondering if Experian is more harsh when it comes to higher util.

I have ordered all 3 reports and gone line by line...my reports are all the same. No baddies. Same Util. Same loans. Same Aaoa. However Experian is 48 points less than Equifax and 39 points less than TU.

The only thing that's negative on my report is that I have had high Util reporting taking advantage of 2 0% cards. I think I have been reporting close to 60-75% for quite some time. Those 0% deals are up next month so I just paid them off. I am just nervous Experian won't bump up as much as my others..which I suspect will be close to 800.

NRB525 · ‎01-05-2016

Are the scores you are comparing all the FICO 8 from myFICO?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎01-05-2016

Yes they are all directly from Myfico.

Anonymous · ‎01-05-2016

For some reason, EQ doesn't like higher UTL on my records. Even going from 1-4% causes me point angst. MyFico Sim states lowering my balances $57/wk for 24 mths yields 648 to 718. *shrugs*

edit: FICO 3b pulled 12/24/15