I've had two changes on my EQ report.
They hate me.
That being said, my new BofA cc posted on 3/15 as a new account, and the balance changed from $0 to $31 (on a 300 card). I thought I'd see some sort of change in score from these two actions, but there's been nothing at all... However when Cap1 added the monthly interest on my CO in March my score dropped 6 points.
What's going on?
Am I wrong to think that my score should have changed when the new acct hit because of a) change in average age of accts and b) change in Utl? And then when the Utl on that card went from nothing to just over 10% shouldn't something have happened there too?
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702
Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)