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I am bafffled by the delay that seems to be the Equifax way. I pay close attention in my rebuilding on the credit scores(maybe too much) and this is the observation I have made. From things falling off to update on a monthly balance. Can anyone enlighten me? I was at 579 in February when i went on app spree it tumbled (as they all did) to 519 and I am at 534 presently. Also, why does it seem they are the most difficult to bring up even when they do update? Thanks!
Below are my cards with limits. The only ones I utilize are FP Barlclay & Walmart consistently. I pay back all but about 10 percent which I allow to roll one billing period at which time I pay then repeat. I need to break from the FP & Barclay dependency they stay at 20percent utilization.
VS250 Walmart700 Express250 Goody's250 Pottery Barn300 Pier1-250 Belk250 BarclayRewards500 AmEagle250 EddieBauer 250 First PremierPlatinum MC700 Overstock300 PacSun300
EQ:534 TU:615 EX: 620
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |