15PT Decrease Why?

[Anonymous]

very helpful! Thank you.

[Anonymous]

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@Revelate wrote:

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@Anonymous wrote:
The reporting balance is indeed an AU card.

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Ah that's it for FICO 8; it's probably being discounted under the FICO 8 anti-abuse policy.

Let a small amount report on one of the other cards and you'll almost assuredly get everything back.  Just if you ever go for a mortgage, have that AU at $0 .

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Cool. I learned something new. I can now take the rest of the day off.

[CreditMagic7]

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@Anonymous wrote:
very helpful! Thank you.

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Most definitely!

Thanks for opening up this topic on that. I'm sure there are plenty of others who are equally confused when something similar has (or will) happen but have no clue whatsover regarding the AU as the lead factor in such a reporting drop in the FICO score in such an instance.