Scorewatch Alert FICO went down :(

[Outdoorstech1]

Scorewatch Alert:    August 6th my FICO was 643 then on the 8th it went to 647 because my Amazon Card reported a $0 bal, then today I got an alert my FICO went back to 643 because my Cap 1 reported a bal of $130 my CL is $750. I can see it going even lower because my second Cap 1 will report a balance of $892 w a $1000 CL in the next few days as my statement closes today. But that card is a 0% APR till May and I'm going to pay it off by Jan. 

So far I like the service, and the alerts. really shows how a balance affects your score for sure. 

[Swapmeet]

---

@Outdoorstech1 wrote:

Scorewatch Alert:    August 6th my FICO was 643 then on the 8th it went to 647 because my Amazon Card reported a $0 bal, then today I got an alert my FICO went back to 643 because my Cap 1 reported a bal of $130 my CL is $750. I can see it going even lower because my second Cap 1 will report a balance of $892 w a $1000 CL in the next few days as my statement closes today. But that card is a 0% APR till May and I'm going to pay it off by Jan. 

So far I like the service, and the alerts. really shows how a balance affects your score for sure. 

---

+1

[mongstradamus]

My score took an little dive also about 5 points becuase my csp reported an balance. So two cards reporting balance is no bueno. 

[Swapmeet]

I feel that pain mong. I had a card with a 0 bal charge me interest on a cash adv at the last min before the statement cut, so a $2.10 bal reported--lowering my score about 5 points as well.....I say, "whatever man!"

[mongstradamus]

---

@Swapmeet wrote:

I feel that pain mong. I had a card with a 0 bal charge me interest on a cash adv at the last min before the statement cut, so a $2.10 bal reported--lowering my score about 5 points as well.....I say, "whatever man!"

---

having 0 report is an whole lot worse than having 2 report with balance i have noticed. With zero reporting it went down almost 25 points. 

[maiden_girl]

Request to move to correct forum "General".

[taxi818]

I agree. good service. but man. is equifax very fickle.

I lost 3 points because i had balance from 0 to 21 dollars report.

No other changes. thats sad. i guess i teaches. me. let everything go to 0 except 1 account and leave 3 dollars on it. for equifax to thrive.

[mongstradamus]

---

@taxi818 wrote:

I agree. good service. but man. is equifax very fickle.

I lost 3 points because i had balance from 0 to 21 dollars report.

No other changes. thats sad. i guess i teaches. me. let everything go to 0 except 1 account and leave 3 dollars on it. for equifax to thrive.

---

yeah they are picky but luckily i have some padding if it drops an few points here and there. Thats all you really can do :-)

[dursty87]

My statement just cut for a card I charged 5000/6000 on a 0% offer I got.  It will be interesting to see how bad my score tanks.  I am not too worried about it as I won't be applying for anything soon and will pay off within 6 months.

[taxi818]

Keep us posted. I'm curious now. That is huge uti.