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boogalue

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My transunion score rose by 1 point. My equifax dropped 12 points. how is that possible?

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It means that something changed on your credit report.  Did you compare your report with a prior report?   An increase of 1% would indicate proper management of your credit and/or an increase in the aging of an account on TU.   A decrease means that something was reported to Equifax has not yet made its way to TransUnion.  Your reports are usually not 100% identical.  Did your Utilization increase overall or on a card which was reported and not yet made its way to TU?   Did an account drop off Equifax yet still appears on TU.  Compare both reports for differences and then compare them to the past two reports to see what the changes were.   Firms report to the bureaus at different times and the bureau have different cycles when they update.   Then the imformation filters down to CK at an even later date.

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