Thread: Why? What does EXP want from me?

24 point drop, no reason whatsoever.

697 to 673.

I was actually getting excited because my score was 697 and I had them delete 4 inquiries that were duplicates. I figured finally, 700. My mortgage company calls me to tell me that my score dropped to 673. Luckily, it's not going to affect my rate, but what exactly is the deal with TU and now EXP. My reports are strikingly similar, yet now my EXP and TU scores are lagging some 50 points behind EQ. What gives?

Strikingly similar? Maybe an older good TL is reporting to EQ and not TU and EX?

Yeah, with the exception of school loans on EQU. I can't see how having more debt is that good a thing. My school loans are not reporting to TU or EXP. I use PG and it's pretty easy to line up all you accounts and see how they are reporting to each CRA. The accounts are all there, the closed ones are closed and the open ones open on all three reports. I just don't get it at all. I am in full belief now that credit scoring is the single biggest consumer scam in the world.