Welcome to the forums, pal! Here's a few thoughts:
You are basically wondering why your EX score is a lot lower than EQ or TU. The most likely explanation is that your three reports are not exactly the same, and that in particular there is something on the EX report that makes its score worse.
One place to look is derogs. These are things like lates and collections and chargeoffs and so on. Is it possible that there is a late on one report not on the others?
Are there accounts that are different between the reports? (An account on one but not the other? An account that says closed on one but open on the other? etc.)
The best approach in my opinon is to print out your full 3B report (on paper) and take a red pen, circling anything that looks different. Then circle back to the folks here with the specifics of what you discover. The folks over at the rebuilding forum may be especially helpful.
One last thought. This sentence really made my day:
"Maybe the late payment that I had 2 years ago on a creditcard that I thought I had canceled that hadn't been used in a year that was charging an annual fee of $75 that I paid 30 days late is worth dropping my score 40 points with them and not the others?"
That's a really fun digression in the middle. It's natural to feel like you need to explain how bad marks appeared on your report, but honest you don't. We all understand how they can happen. The key info you need to pass along was that you have a 30-day late from two years ago. Look carefully at those things (derogs especially) and make sure they are all say the exact same thing on all reports.
Good luck working with the people here and getting advice. Do try printing out your 3B report and going throughout it to find differences.
