TU, EX, or EQ???
Yep, same with me. (See my scores below.) EQ always, always lags.
For me - it's EQ- they seem to HATE my lates and they also zapped a perfectly paid mortgage for no reason.
once again...you're saying that the FICO calculation is different for each of the bureaus? Maybe FICO has made adjustments to the model to account for differences in how the bureaus report their data, but my understanding is that FICO is not affiliated in any way with the 3 bureaus... I doubt that they're letting the credit bureaus tell them how to calculate the score.Obviously, each bureau has their own in-house model to estimate what the FICO score is (the FAKO) but from what I've seen those are basically junk statistically speaking.If this is the case, please provide some sort of documentation that indicates that the FICO calculation is different for the 3 bureaus...