So, my FICO was 726 on EQ 18 months ago, and has now dropped to 711, even though I've since added a mortgage, have high credit limits, a low ratio of revolving credit (7%).
My TU score on the other hand is 797.
TU has virtually the same information except one thing: on both accounts, I had an old closed account with a 30-day late deleted. My report now shows me as having no late payments, which is nice. But EQ shows a public record, a $99 NYS tax judgment filed 11/2007 (paid in 2009).
I wonder how I could have 726 with a 30-day late and a public record in early 2011, and a 711 with no late payments, only the public record?
Judging from the TU report, I'm guessing it is a bucket issue. When my 30-day late fell off, I moved into a clean bucket. And of those in the clean bucket, having a public record puts me lower.
I assume this because what else could explain an 86 point difference between TU and EQ with only the public record being different?
Thoughts?
