Least/Most Stubborn CRA?

[Anonymous]

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@calyx wrote:

For me, EQ is the "worst" - they're stubborn with disputes, they seem to take the longest to update payments/status, and everyone pulls them for me (it's either EQ or EQ/EX double hit).

EX is the best for me, they update with reporting information super fast and they're easy with my disputes and other information.

TU just sits there - no one ever pulls (the only inquiry I have is from a Cap1 triple pull) it, and it usually sits in the middle of the other two scores.  My only issue is that their website always stalls out on me, so if I need anything I have to call or send a letter.

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Yeah TU’s website is AWFUL! Yesterday I went to remove my security freeze and the login site was down so I had to call!

[Anonymous]

EX seems to be the best for my profile. It's certainly my highest score. Having young, thin files means little things cause big waves for me though. The only difference on my reports is that EQ has two inquiries and yet all three scores vary wildly. 🤔

[Anonymous]

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@Anonymous wrote:

I think there's a fundamental point that needs to be made up front and that's that it's not (usually) the CRA's providing you with scores, as they don't "score" you.  They provide the data that goes through a scoring algorithm that then generates a score.  The basic takeaway here should be that you can't be unhappy (or happy) with the CRA since they don't give you the score.

That aside, by definition when these threads come about your going to see overall that the split when the dust settles is going to be by definition around 1/3 for each of the Big 3... whether it's 1/3 saying X is the "best" CRA or 1/3 saying that Y is the "worst" CRA, etc. all based on personal experience.

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Although FICO calculates the scores based on data provided by the CRAs, the CRAs have several FICO model components where they can choose how or if those factors will affect the score. So even if all your data is the same across all 3, the scores may still differ.

[Anonymous]

This is incredibly interesting to me.  I am a huge statistics nerd - I literally devour information.  If you tell me that there is no exact science to something, I am even more driven to understand that thing’s dynamics.