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@sunrise wrote:
Timothy...this was EQ SW. So, isn't that the real deal? Are you giving me hope?
Changes to your credit reportThis is the official announcement of re-bucketing in EQ from FICO. I don't know if you get this with the SW directly from EQ, though.
Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
* You moved from one category of credit users to another as time passed. For example, you may have transitioned from the category "consumers with a new credit history" to the category "consumers with a two- to five-year credit history". As a result, your credit report is evaluated differently, causing a slight change in your score. The good news is that moving between categories like this usually offers you the potential to reach a higher FICO® score in the future.
Explanation of Score Change
Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if: