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Posts: 1
Registered: ‎11-17-2012

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.

Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011

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

Posts: 13,897
Registered: ‎04-15-2011

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+
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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!
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