I cannot for the life of me figure out how to raise my experian score. The things that seem to increase my TU and EQ, just don't budge my EX score. Other than paying on time, all I can do is maintain low utilization. I have thoroughly examined each report. TU and EX have the exact same accounts. EQ does have one additional closed account adding to history (zero balance). I have 1 30 day late for an auto loan. It's 4 years old and shows the exact same way on all 3. The only thing I can think of is that EX considers the components differently. I would just think for such large difference in the scoring that something has to be amiss....any thoughts?
Not necessarily, but there's a bunch of possible discrepancies that you mentioned.
EQ vs EX: An additional tradeline will absolutely change the score for better or for worse.
TU vs EX: The TU version here is TU98, which frankly isn't really commonly used anymore for much. I know some lenders do pull it, but it's somewhat unusual for any national lender to do so. It's likely that any EX score you've received will be either '04 or '08. Walmart FICO, again similar issue with TU08 and I have no idea if theirs is a specific industry option or not... see next point.
EX in general: where did you get your score from? If it was from an Amex application, there's a good chance that it was the Credit-Enhanced industry option on the pull, and that's not the same as what you'll get from here on EQ or TU for that matter, and I have no clue regarding the Walmart FICO.
As a result, it's really hard to pull any sort of comparision with the way things are today: a mortgage tri-pull is about the only meaningful comparision available to us as consumers currently where we know they're identically the FICO '04 model across the board from all three bureaus.
I get what you are saying. I understand the EQ being slightly different since it has the additional positive line. I would expect it to be higher than even TU but it isn't. TU08 and TU98 are both higher than the EX score. And yes I got it from Amex. I figure you are right...I don't really know if the Amex score is enhanced, so that is plausible. From that I guess there is no reason to try to compare. I am not in the market for another mortgage or refinancing my house at the moment so I won't know what the true scores are until I am. It's def not worth having a lender pull. I was just curious to get some additional insight. Thanks for responding Revelate!
