My Experian and Transunion scores are growing at a much higher speed than my Equifax score and I am trying to figure out why. My Experian score has shown the most growth with my lowest Fico 8 score from that bureau at 523. Since February it has rose 115 points and currently sits a 638. My Transuion at 629 and my Equifax at a 621. This has been the case although my Equifax shows only 1 collections while the remaining 2 reflect 2 open unpaid collections. I have no public records but I am dealing with a series of lates from various accounts from 2 years ago. I have 3 settled charge off accounts, 2 of which were updating monthly until February and March (although I settled with the company in Feb ).
The only thing I can think of is the fact that my mortgage account which was opened over 9 years ago and has a current good pay history of the last 2 years has been closed on Equifax and $ 0 out for some reason, while it remains open on TU and EX and reflects the current balance. According to my reports, my account has not been updated with the CRAs since May (that is when it was closed on EQ and updated on TU and EX). I have tried calling Nationstar and I was told that I would receive a response in the mail but that was almost a month ago and according to CK my account still shows closed on EQ.
With all of that being said, what do you guys think? Could this be the reason for the lower score on EQ or is EQ just going to be my lowest credit score? How hard should I fight this? I should also add that one of the negative factors listed on my EQ is “too few accounts in good standing.”