Why is my EQ score so low, compared to the other two?

[myjourney]

My EQ score has always been the lowest of the 3 for years

Same TL's never understood why.

[indiolatino61]

In my experience, my TU has always been the highest, followed by EX. Just like you, my EQ is always 40-50 pts lower. I've pulled all 3 CR and all of them are identical, with EQ only having 1 more inq than the others. Is one inq worth 40-50 pts? It remains a mystery.

[HiLine]

Two words: scoring model.

[WarJar101]

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@HiLine wrote:

Two words: scoring model.

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Well, EQ's scoring model sucks. They're screwing me, no...us sideways with that scoring model. Well, it's messed up but at least I know I'm not the only one out there with the issue, makes me not feel so isolated. It's going to take forever to get triple 700's, lol...

[WarJar101]

Ok, so out of curiousity I decided to do the free trial scorewatch by MyFico. EQ score is 678, so it was an internal score Citi was using. Damn you Citi! Lol, I must say though it feels good to see the real deal. It's still the lowest, out of the three, as it is for most people, but it's higher than I perceived it to be.

[soILseminole]

mine EQ is lowest of 3 as well. Mine EQ file is "thinner" than my other two though (19 lines vs 26/27) ...maybe this is why? AAOA

[HiLine]

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@WarJar101 wrote:

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@HiLine wrote:

Two words: scoring model.

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Well, EQ's scoring model sucks. They're screwing me, no...us sideways with that scoring model. Well, it's messed up but at least I know I'm not the only one out there with the issue, makes me not feel so isolated. It's going to take forever to get triple 700's, lol...

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I'm sure in other situations your FICO score based on this model will be higher than your other FICO scores

[Anonymous]

My situation seems to be opposite - TU 752, EQ 813, EX 794.

There is no discernible difference between the  reports. However, TU says the I make heavy use of revolving credit and that I owe too much on a non-mortgage account. Well I have 2 credit cards - one I owe $520, and the other $9. I do have a balance of approximately $23000 on my HELOC and $23000 left on my mortgage. On the page  "Understanding Your Credit Score",  TU  counts the HELOC as revolving credit by adding the HELOC and the two credit cards to get a revolving credit balance of $23529. But on the page "Credit At-A-Glance"  revolving credit is $529 and mortgage is $46,000. Neither EQ nor EX count the HELOC as revolving credit.  Now in March of 2012, I did payoff my auto loan with the HELOC, but that was only $2300. Got the  HELOC 4 years ago to do mods and repairs to the old hacienda ( which is on going). 

By the way, my credit scores from March 2012 were TU-767, EQ- 801 and EX- 776; and I carried more debt and more accounts with balances. The additional accounts were paid in full by September of 2012.

Just seems odd that the TU score got worse.