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2nd account reported balance no score change

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Anonymous
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2nd account reported balance no score change

Just a quick data point. I normally only let one account report a balance, but this month I let two report just to see what would happen. I have overall util of 1% and change, with an account reporting $824. The second account reported $20. my EX score didn't budge.

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Thomas_Thumb
Senior Contributor

Re: 2nd account reported balance no score change

Thanks for the info.

 

It's what I would have guessed based on the age, depth and low aggregate utilization. Always good to get additional supporting data.

 

Curious - If one of your three CRAs still shows dirt and a lower score, did it react differently?

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 2 of 5
Saleen099
Senior Contributor

Re: 2nd account reported balance no score change

Thanks for the info.  My EX score has not changed in over a month. 

Message 3 of 5
Anonymous
Not applicable

Re: 2nd account reported balance no score change


@Thomas_Thumb wrote:

Thanks for the info.

 

It's what I would have guessed based on the age, depth and low aggregate utilization. Always good to get additional supporting data.

 

Curious - If one of your three CRAs still shows dirt and a lower score, did it react differently?


EQ still shows dirt, but I don't know. I get the daily for EX, but EQ and TU have to wait for monthly updates.

Message 4 of 5
NRB525
Super Contributor

Re: 2nd account reported balance no score change


@Anonymous wrote:

Just a quick data point. I normally only let one account report a balance, but this month I let two report just to see what would happen. I have overall util of 1% and change, with an account reporting $824. The second account reported $20. my EX score didn't budge.


Thanks for the data point.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 5
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