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TU vs. EQ

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poldies4
Established Member

TU vs. EQ

I was expecting a EQ bump this week but didn't get one, so out of curiosity, I pulled my EQ report & my TU report. You can see in my signature I had a recent rebucketing with EQ. My CC usage is now lower than it was when my EQ score was 731 and yet it's only 707! During this time my TU score has jumped from 721 to 754 - WTH!?

By the way - my payment history is "great", my amount of debt is "good", and my length of credit history and amount of new credit are both "very good"

When am I going to see my EQ number bump??? It's killing me that I've been working so hard to pay down debt & it's taken a nosedive!
No baddies - only high CC utilization - Goal of 800!
3/2012 EQ 707 76% CC utilization ~ 3/2013 EQ 731 TU 721 56% CC
4/2013 EQ 703 TU 731 56% CC utilization *rebucketed*
4/2013 EQ 707 TU 754 45% CC utilization
4/2013 EQ 721 TU 754 45% CC utilization
Message 1 of 4
3 REPLIES 3
guiness56
Epic Contributor

Re: TU vs. EQ

If you were rebucketed on EQ, that is actually a good thing.  You were put in a group of others with similar items on your CRs.  Your score should even out more quickly.

Message 2 of 4
poldies4
Established Member

Re: TU vs. EQ

I know it's a good thing *technically* - but waiting to see it climb back up is so hard! Especially when my credit situation is so much better than it was a year ago, when my EQ was 741! So frustrating!
No baddies - only high CC utilization - Goal of 800!
3/2012 EQ 707 76% CC utilization ~ 3/2013 EQ 731 TU 721 56% CC
4/2013 EQ 703 TU 731 56% CC utilization *rebucketed*
4/2013 EQ 707 TU 754 45% CC utilization
4/2013 EQ 721 TU 754 45% CC utilization
Message 3 of 4
AndySoCal
Valued Contributor

Re: TU vs. EQ

On section of the credit report where is list the factors that are hurting your report are there differeneces between tu and Equifax?

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 4 of 4
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