Ok some say eloan is TU and some say EQ. Could someone explain this to me. directly from my equifax report: Delinquencies and Derogatory information on accounts Delinquency information is provided by the lender when you have missed a payment on your credit obligation. Other derogatory indicators, such as a comment with the credit obligation (for example, "account included in bankruptcy"), are also considered negative by the FICO score. Typically, late payment information on your credit obligations is reported by the lender as 30 days, 60 days, 90 days, 120 days, 150 days, 180 days late or as a charged-off account. Delinquent and Derogatory information on accounts None on file. --------------------------------------------------------- direction from my eloan file: Payment History: In the past 2 years, you have missed 3 consecutive payments 11 time(s).
I don't know...I was thinking it was TU, but now that you mention it, eloan last week said 683, and EQ this morning said 684. Coincidence, HMMMM???
It's REAL EASY to figure this out. Which of your reports shows Eloan soft inquiries??? For me, and I think everyone else, it is TU.
if you click on the "get your free report link" i think it's to truecredit or consumerinfo their site says in small print that their information is provided by equifax so it may differ from eloans, who's information is provided by transunion. briana
bump Shouldn't we stick something in the FAQ about E-LOAN being based on TU? This question seems to come up every week or two...
I've my reports in front of me, approval via E-loan last week, Americredit. E-loan is showing on Ex, followed by Americredit. Americredit is on TU only, no E-loan. Does it depend on the state perhaps? It looks like every possible source of funding pulled experian firstly. Bank One, Honda Finance, local dealers, roadloans, Household... Who else do you want to know about, LOL, heck I think they all took a peek! Sassy BTW, F&I dealership dude told me the score he had pulled, it was off 2 points from Ex (I had just pulled it before going to the lot) -- Ex has to be it for me as TU is about 40 points lower.
Sassy, was that for the free E-LOAN score too, or just the loan you got? I was only talking about the free score they give out. It very clearly talks about CreditXpert and TU, plus it shows up as an AR on the TU report. I have no idea about any other E-LOAN products, but you seem to have made some discoveries in that direction )
LOL TU Fico. This is why I don't do the freebie scores -- my brain can't handle the tiers of fakeness. If you start with a fake number and it's compounded by fake tradelines and account information, do you then end up with a number that is authentically fake? or faked fake? or is it based on how fake the original fakeness was? ;-) Sassy
