My EQ and TU scores have always been roughly in the same ballpark, but EQ is almost always my highest score (EX always lags far behind the other two- most inquiries, mortgage did not report to EX for years).
I have over $135,000 total CL and have about 3% reporting on one card. I almost always try to practice AZEO, but once in a while, a pending charge will finally go through as my statement closes and then I'll have a small balance on a second card.
For EX, my scores tend to go up when new balances are reported. EQ tends to go up when new balances report, but also goes up when a balance is paid down.
Within the last 2 weeks, EQ has gone up for 4 times- twice for small balances being paid off, and twice for small balances reporting (all different accounts). Total increase: 12 points.
In the same time period, TU has gone down 3 times, and up once. All for the same balances and accounts. TU went from 798-> 801-> 797-> 792-> 797. Total point decrease: 1 point.
I guess I'm just wondering why the same things should affect my scores so differently. I was so happy to see another score get over 800, just to see it get shot down again a few days later.
Not sure what other data points might help with understanding this, but I'd be happy to provide if you can offer any insight.
If I had your scores, that slight variation wouldn't bother me not one bit 
Goal Scores: 700 across all three
@2GreenThumbs wrote:My EQ and TU scores have always been roughly in the same ballpark, but EQ is almost always my highest score (EX always lags far behind the other two- most inquiries, mortgage did not report to EX for years).
I have over $135,000 total CL and have about 3% reporting on one card. I almost always try to practice AZEO, but once in a while, a pending charge will finally go through as my statement closes and then I'll have a small balance on a second card.
For EX, my scores tend to go up when new balances are reported. EQ tends to go up when new balances report, but also goes up when a balance is paid down.
Within the last 2 weeks, EQ has gone up for 4 times- twice for small balances being paid off, and twice for small balances reporting (all different accounts). Total increase: 12 points.
In the same time period, TU has gone down 3 times, and up once. All for the same balances and accounts. TU went from 798-> 801-> 797-> 792-> 797. Total point decrease: 1 point.
I guess I'm just wondering why the same things should affect my scores so differently. I was so happy to see another score get over 800, just to see it get shot down again a few days later.
Not sure what other data points might help with understanding this, but I'd be happy to provide if you can offer any insight.
1. Usually each credit bureau has slightly different data.
2. Each credit bureau has slightly different algorithms.
