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Mega Contributor
LS2982
Posts: 14,436
Registered: ‎04-09-2011

Scores Plummeted :(

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‎10-17-2012 08:44 AM

Barclays reported, shot TU score down 60 points (Vantage)

EQ FICO down 6 points, not bad. Afraid to pull TU. Think ill wait for next update when the card reupdates lol.

Just hoping my creditors don't get ansy about it.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Re: Scores Plummeted :(

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‎10-17-2012 08:53 AM

LS2982 wrote:
Barclays reported, shot TU score down 60 points (Vantage)

EQ FICO down 6 points, not bad. Afraid to pull TU. Think ill wait for next update when the card reupdates lol.

Just hoping my creditors don't get ansy about it.

Ugh im sorry to hear that!! This is because of the whole balance transfer fiasco?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
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Frequent Contributor
Autumnslight
Posts: 309
Registered: ‎07-08-2012

Re: Scores Plummeted :(

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‎10-17-2012 09:17 AM

Did it report for the first time as a new account, with a balance? Or did it just report an increased balance? I'm curious, because I have a new Barclays account that already reported as new, with a zero balance last month. Now, it just reported with a balance today, but I haven't seen any new scores yet.

Scores:
07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (lender) 705 | EQ MyFICO 699 | TU Walmart 727

First Goal: 700+ across the board - Got it on EX & TU!!!
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Regular Contributor
mr_postman
Posts: 154
Registered: ‎01-17-2008

Re: Scores Plummeted :(

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‎10-17-2012 09:22 AM

Don't worry about its vantage score faki
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Valued Contributor
trumpet-205
Posts: 1,909
Registered: ‎11-11-2010

Re: Scores Plummeted :(

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‎10-17-2012 10:02 AM

mr_postman wrote:
Don't worry about its vantage score faki

VantageScore is used by some lenders like Chase, so it is useful.

 

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
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Valued Member
bradpitt
Posts: 45
Registered: ‎09-20-2012

Re: Scores Plummeted :(

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‎10-17-2012 10:37 AM

Sorry to hear that but 60 points at your credit score sounds like a derogatory.

Log into Credit Karma and see if anyone attached a derog to your report.

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Mega Contributor
LS2982
Posts: 14,436
Registered: ‎04-09-2011

Re: Scores Plummeted :(

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‎10-17-2012 01:57 PM

No it was Barclays reporting balance combined with the false balance from the CU card.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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Senior Contributor
Booner72
Posts: 3,847
Registered: ‎05-24-2011

Re: Scores Plummeted :(

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‎10-17-2012 02:06 PM

60 points is unrealistic. I'd go with the six to base my FICO.
STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
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Established Contributor
calihlove75
Posts: 712
Registered: ‎05-16-2012

Re: Scores Plummeted :(

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‎10-17-2012 03:27 PM

You know better than to get wrapped up in a non fico score. There is no way your real TU fico went down that much. I would imagine the loss would be alot more similiar to the hit you took on your EQ score.

100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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Mega Contributor
LS2982
Posts: 14,436
Registered: ‎04-09-2011

Re: Scores Plummeted :(

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‎10-17-2012 04:16 PM

Eh, think the TU 08 score is gonna be like 30-40 points.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
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