Is it me or does anyone else thinks Equifax must judge on a different system

[Anonymous]

My Equifax score is horribly different than my other two, no matter what it bailey moves for the same information that makes the other two jump 6-11 points.  I checked other sites and equifax is still the lowest one. 

[tufa4311]

Are you sure all 3 of your credit reports have the same info? When's the last time you checked all 3 of your reports?

Each of the 3 can also report at different times so some may have more up to date info than others.

And last, but certainly not least, these are 3 different credit agencies and the algorithims they each use, the mathatical equations that are used to come up with your respective scores, are also different. Different info + different equations = Different scores

[JagerBombs89]

Equifax is my highest score across all three...

[Anonymous]

Equifax is my lowest, but only by 1 point.

[Revelate]

EQ hates me but there's no real rhyme or reason; however it's been consistently lower for me for the last 3.5 years I've been on this forum across all score models than either TU or EX.

I don't read anything into it really, just a fact of my file for whatever reason.  There are some differences in the algorithm for each bureau, possible it's weighting something like my old tax lien more heavily.  Will be interest to see after some of my negatives start coming off next year due to age and if that triggers a reshuffling of my scores... or if I'm just stuck with EQ's being lower until the mythical (for me, I never expect to get there) FICO caps.

[Anonymous]

EQ is my highest. TU has been the bane of my very existence. Right now, EX is pissing me off. LOL

I think it depends on which accounts are reporting on which ones. One of my very old closed accounts is not reporting on TU but is reporting on the other two. I think that's why my TU runs about 25-40 points lower than the others.

[Anonymous]

Yes!!! Eq is my lowest by--- 55 and 46 points! And when your rebuilding with TU and EX over 650, those points really matter! I recently checked all three reports and they are almost identical, ex actually has 2 more inquiries than Eq. Only baddies are utility lates, and exact same on all 3reports. Not sure what the problem is. 

[Anonymous]

Ex seems to give more points. I had the same amount of lates removed for an account and ex 23 Tu 8 eq 9 point gain. Weird.

[Anonymous]

EQ is also my lowest score...TU my highest, at least today.  And I have checked all of my CRs...just the way it is I guess.  I have moved into the 700s on TU and EX and would love to see EQ in that range as well.

[Anonymous]

Yeep now you make me want to double check mine!