I've been fighting with the credit reporting agencies to get an incorrect collections account removed from my report. Two of the three have complied, but TransUnion is being very stubborn. It's been quite a few months since the other reports were updated.
When I checked CreditKarma last night (which provides scores from Equifax and Transunion) I noted that it does report a collection on my TU report and not on my EQ report, yet the scores are almost identical. TU is two points lower than EQ. As this is the only negative item on my reports, I would have expected TU to have a much larger delta from EQ.
What could be the cause?
I'm concerned that perhaps EQ is still lowering my score due to influence from other reporting agencies, but this doesn't seem likely. It also seems unlikely that TU is disregarding their information since it contradicts the majority of the three bureaus.