Okay, now I am really confused!

[A1Credit]

It's making me feel dumb LOL  Hopefully, I will get the hang of it soon.  Thank you for providing insight.

[rmduhon]

I totally understand the feeling. And it's hard to explain too.

[A1Credit]

I just got another alert that my score has dropped as well as a call from the NMAC EO telling me that they cannot remove the lates on the account.  I am just getting hit from all angles today. 

[Anonymous]

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@A1Credit wrote:

It wasn't an inquiry.  It specially says "The total balance on all of your Retail Trades account(s) has changed."  I did gain 13 pts  on my my Equifax report for settling one of the charge-offs though.

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It was exactly what Robert said.

[gdale6]

http://myfico.custhelp.com/app/answers/detail/a_id/463/kw/3-bureau%20monitoring/session/L3RpbWUvMTQx...

http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Enhanced-alert-feature-on-the-monitoring-of-...