On average which Credit Reporting Agency usually has the lowest score?

[Anonymous]

While I attempt that - the amounts in the "Credit At-A-Glance" Summary are the same for both services. The HELOC is included (in both) with my mortgage amount. I used the line for a home improvement and have been making regular monthly payments.

[Anonymous]

---

@Anonymous wrote:
While I attempt that - the amounts in the "Credit At-A-Glance" Summary are the same for both services. The HELOC is included (in both) with my mortgage amount. I used the line for a home improvement and have been making regular monthly payments.

---

That will make the calculation a little easier. It's not too hard.

[haulingthescoreup]

---

hoyaman wrote:
HELOC $50k.  Balance is $38k. TU 42% Util. EQ 1% Util.

---

There's something wrong. I have a $50K CL HELOC with a balance in the high $30's, and it is definitely not being factored into my util on TU or anything else. The only time TU addresses it is in the sim, where it wants me to pay down the balance, but that's the sim. It certainly isn't affected in my util or anything else.

I wonder if it's coded wrong, in a way that EQ knows how to treat it, and TU doesn't?

I'd give myFICO CS a call and ask if they can look at it. I don't know if they can see the coding that's used, but I think there's an improper code assignment in there somewhere.

Phone:
1-800-319-4433
Mon-Fri 6am to 6pm PST
Sat 7am to 4pm PST