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Experian not reporting paid off Credit card score went down...

Established Contributor

Experian not reporting paid off Credit card score went down...

I paid off one of my credit cards to and it was reported on my EQ and TU and Experian has the full balance reported and I lost 20 points.  What can I do to get experian to correct the balance?

 

And now since im down an additional 20 points how can i re-gain this since they made a mistake?

 

 

Gardening since 5/3/2016
Message 1 of 6
5 REPLIES
Senior Contributor

Re: Experian not reporting paid off Credit card score went down...

Unfortunately there is no way to regain those points. Did you pay the cc all they way down to a $0 bal?

Message 2 of 6
Established Contributor

Re: Experian not reporting paid off Credit card score went down...

Just about there was $100 balance.  I was trying to keep all my credit cards under 10%.  My Equifax score is a 100 point higher difference. 

 

This is really upsetting I cant get those points back.  I sent in a dispute and I will be callig them also!

Gardening since 5/3/2016
Message 3 of 6
Epic Contributor

Re: Experian not reporting paid off Credit card score went down...

It's best to let all but one report a 0 balance and the other at 9% or below.

 

If EX reports that as it should you could get some of the points back.

Message 4 of 6
Established Contributor

Re: Experian not reporting paid off Credit card score went down...

I have 3 credit cards all of them report a small amount.  Should at least one report a 0 balance? 

Gardening since 5/3/2016
Message 5 of 6
Epic Contributor

Re: Experian not reporting paid off Credit card score went down...

For the best FICO score during rebuilding, having all but one report a 0 balance and the last one report a 9% or under balance is found to work best.  YMMV so you can tinker around and see what works best for you.

Message 6 of 6