gypsie Posted March 10, 2011 Report Share Posted March 10, 2011 Hi everyone...it's been a long time since I posted here. I just wanted to vent my frustration with the FICO scoring system and the separate scores..Today, I decided to check my scores:TU- 805EQ- 691That's just crazy!!Here's what each report says:TU:What's hurting my score- there's nothing listedWhat's helping my score-1. no missed payments2. limited use of available credit3. established credit history4. not actively looking for creditEQ:What's hurting my score-1. no recent activity on revolving accounts2. no recent activity on credit cardsWhat's helping my score-1. no missed payments2. established credit history3. not actively looking for creditThat makes absolutely NO sense! Just had to vent- I know everyone here can understand.Thanks! Link to comment Share on other sites More sharing options...
momof5 Posted March 11, 2011 Report Share Posted March 11, 2011 I can relate. My TU is 661.....EQ just went up to 593. I had a higher score when my bureau looked like a christmas tree (reds, yellows and greens of late pays), had numerous CA accts and a few PRs - 2 of which were BKs!Right now I have years of current payments, NO PRs, NO CAs, 3 accts with lates that are 6 yrs old, 1 acct with a late 15 mo ago, full 'range' of acct types, 5 inqs that are nearly 2 yrs old. My AAoA dropped d/t student loans (I went back to school for 3 yrs) and is just around 5 yrs. what is really hurting me is my util. It is currently 85% and I should have it all paid off (CCs) by May.IMHO, I cannot believe that ANYONE would have thought my CR indicates that I am a higher risk now! Link to comment Share on other sites More sharing options...
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