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Can a small increase on a dormant card drop your score

New Visitor

Can a small increase on a dormant card drop your score

I just got hit with a $193 bill on a CC thats been dormant for a year. Its a card that was issued by AAA and they charge their memebership fees on it.

No big deal right? 

 

Wrong!! dropped my score some 18 pts.

 

I give up.

 

Last time I got hit like that was when I missed a $15 payment on a card I thought I'd paid off.

 

I'm in the middle of trying to refinance my house. I am so tired of this crap.

 

When is someone going to wake up and get rid of this bogus system.

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2 REPLIES
Valued Contributor

Re: Can a small increase on a dormant card drop your score

PIF and your score should rebound...unless it is a collection or CO

ccpics2.jpg
Message 2 of 3
Moderator Emeritus

Re: Can a small increase on a dormant card drop your score

Depends on your CL and overall util.   Pay it and scores should rebound.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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