Why is Transunion such a drag???

kxkxkxx · ‎01-04-2016

Equifax and Experian seem to be neck and neck when it comes to my score, which is great...but for some reason, Transunion does not budge....why is that??

Current FICO 8 Scores
EQ 759
TU 748
EX 744

jflewis88 · ‎01-04-2016

I just asked the same question, but for me it's Experian that's the drag. Weird. I'm hoping someone can enlighten both of us as to how/why this happens.

Anonymous · ‎01-04-2016

I would think that because they have different scoring models, one is always going to be lower than the others. No one know the exact model, but some bureaus may favor more accounts, another bureau may like less accounts. Some bureaus may want to see a long history of stable accounts, another bureau may not care. Also, some reports will have more inquiries than others. For me, it seems like I never get inquiries on Transunion, but I do on the other 2

NRB525 · ‎01-04-2016

@kxkxkxx wrote:
Equifax and Experian seem to be neck and neck when it comes to my score, which is great...but for some reason, Transunion does not budge....why is that??

What are your scores, to begin by understanding what the gap is.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765