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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Scores Plummeted :(

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 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
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Re: Scores Plummeted :(


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:
Frequent Contributor
Posts: 311
Registered: ‎07-08-2012
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Re: Scores Plummeted :(

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 (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Regular Contributor
Posts: 179
Registered: ‎01-17-2008
0

Re: Scores Plummeted :(

Don't worry about its vantage score faki
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Scores Plummeted :(


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 Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Member
Posts: 50
Registered: ‎09-20-2012
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Re: Scores Plummeted :(

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.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Scores Plummeted :(

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



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
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Re: Scores Plummeted :(

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
Established Contributor
Posts: 802
Registered: ‎05-16-2012
0

Re: Scores Plummeted :(

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 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Scores Plummeted :(

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



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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