40pt equifax drop !

[dodgeball]

Dont get it, really dont. But I think I maybe found the culprit. My Only CC now has  no history. If I am correct to get the maxuim amount of points out of you CC is to have a history of use on it correct?

[hdrider07]

Yes your CC needs to have some type of history.  What do you mean no history? Is it showing as a new account or no data for the time you have had it?  How long have you had it?

[dodgeball]

Had it for 6 months now. It now shows no history on the account like nothing was reported. Bummer I hate you Equifax, couldnt happen at the worse time. Re-applied for a car loan with a 627 score now. Im pretty confident Ill get the loan but at a horrible rate now.

[hdrider07]

Have you used it in the past 6 months?

[dodgeball]

Yes I have used it every month and than paid it in full before the statement cuts.

[hdrider07]

That may be the problem.  Some credit cards dont update real quick with the CRA's, if you pay before the statement there can be nothing to report to the CRA's.  I wait until the statement runs and a few days before the due date I PIF and have always had my cards show a history on my report doing it that way.

[llecs]

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@dodgeball wrote:

Dont get it, really dont. But I think I maybe found the culprit. My Only CC now has  no history. If I am correct to get the maxuim amount of points out of you CC is to have a history of use on it correct?

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OP, was this the CC?

http://ficoforums.myfico.com/t5/General-Credit-Topics/Uggghhhh-Exuifax/m-p/1362515

If so, is the [dispute] comment still showing?