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Which Credit Bureau is your strongest (Score)

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Revelate
Moderator Emeritus

Re: Which Credit Bureau is your strongest (Score)

EX traditionally for FICO 8 and FICO 98; TU (was when the files were close to identical) was my strongest out of the 04 models.

 

And if we really want to go to the Twilight Zone, EQ which has hated me since the dawn of my credit report, FICO 9 is astoundingly high (to me anyway) up in Vantage 3.0 territory at a 780.  Not enough data to figure out why that occurred or why my EX is so low in comparison other than at the time I had a brand spanking new inquiry.  

 




        
Message 11 of 16
EW800
Valued Contributor

Re: Which Credit Bureau is your strongest (Score)

Looking at my FICO 8 scores, TU is always the highest for me, by about 6 to 12 points.  Experian is almost my lowest, typically being about a dozen points lower than my TU score.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 12 of 16
Anonymous
Not applicable

Re: Which Credit Bureau is your strongest (Score)

TU is my strong, and Equifax is weakest.  My wife has Experian as her strong, and Equifax as her weakest. 

Message 13 of 16
satasat360
Regular Contributor

Re: Which Credit Bureau is your strongest (Score)


@Anonymous wrote:
Always highest Transunion. Equifax always lowest.

+1, my TU has 5 inq vs my eq's 3 everything is same, but eq didnt like me for some reason. TU 777 and EQ 759


Starting Score: 669
Current Score: 777
Goal Score: 800


Take the myFICO Fitness Challenge
Message 14 of 16
Anonymous
Not applicable

Re: Which Credit Bureau is your strongest (Score)

Experian has historically been my highest. See my signature.

Message 15 of 16
Anonymous
Not applicable

Re: Which Credit Bureau is your strongest (Score)

TransUnion dislikes me. It's always my worst.

 

Chart

 

Message 16 of 16
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