Is Equifax always slower than EX and TU?

kxkxkxx · ‎11-09-2018

Seems like they are constantly behind the other 2...just wondering if anyone else has dealt with this?

I was recently added (about a month ago) as an AU and my score jumped 8 pts on EX and 15 pts on TU....was waiting for another nice jump on EQ...but they seem to be dragging their feet.

<Mod edit/note: I've made slight edits to keep your post from veering too far off-topic. --UB>

Current FICO 8 Scores
EQ 759
TU 748
EX 744

Anonymous · ‎11-09-2018

I wouldn't say so. I think just as many people post that either TU or EQ are their dog, so it really seems to be profile-specific.

RonM21 · ‎11-09-2018

@BBS very true. I've seen it spread out between the 3 depending on who the person is, situation, and so on. Lol for me, it is always a matter of me being impatient.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

EW800 · ‎11-09-2018

TU is by far always the slowest to report/update for me. Ex is typically the quickest, then EQ, and sometimes up to a week later it is TU.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
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. .

JoeLuvsHisCredit · ‎11-10-2018

Ex is my slowest

TU is my fastest

Anonymous · ‎11-10-2018

As you see, of the people on this thread willing to say which bureau is always slowest, 1/3 vote for TU, 1/3 for EX, and 1/3 for EQ.

Anonymous · ‎11-10-2018

As you see, of the people on this thread willing to say which bureau is always slowest, 1/3 vote for TU, 1/3 for EX, and 1/3 for EQ.

Exactly, as expected.

Perception is always reality for the individual. If a certain bureau is the slowest for a specific person, their perception is that this bureau is then the slowest for everyone. The fact of the matter though is that 2/3 (the majority) of the population will actually disagree with this individual.

EW800 · ‎11-12-2018

@JoeLuvsHisCredit wrote:
Ex is my slowest
TU is my fastest

I am surprised to see that TU is your fastest! They are literally always my slowest, by a pretty good margin!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
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. .

kxkxkxx · ‎11-12-2018

Guess it is true...different for everyone....EX has now updated 2 times in a week...EQ has not updated since 10/11...very strange.....hopefully it will refresh soon...TU is pretty fast for me as well.

Current FICO 8 Scores
EQ 759
TU 748
EX 744

Anonymous · ‎11-14-2018

For me - EX is the pokey one. I recently paid a bunch of cc's off/down - EQ is the only score moving by any major amount (20+)....TU moved a point or 2 - and EX hasn't moved since last summer! LOL