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Established Member
medcinmn
Posts: 27
Registered: ‎10-28-2013

AAoA differs on 2 EQ pulls?

In October I pulled my EQ credit report/score and it cited "you have an established credit history" under positives.  I pulled it again today and under negatives it cited "you have a short credit history".   Is anybody able to explain this?  I have 24+ years established with no new credit in well over a year, maybe 2.

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: AAoA differs on 2 EQ pulls?

Established Member
medcinmn
Posts: 27
Registered: ‎10-28-2013

Re: AAoA differs on 2 EQ pulls?

Thank you for the welcome, and yes.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: AAoA differs on 2 EQ pulls?

I suggest looking at both EQ FICO reports very closely. The shift from the postitive side to the negative, or vice-versa, can indicate one of a couple of things. It can indicate that something else changed on your report which pushed that once-positive factor into the negative side, which can include dropped accounts, added accounts, changes in utilization on your cards, added baddies, removed baddies, new inquiries, etc. FICO will look for the smallest things to complain about on your FICO report and maybe items that once were bad, are no longer bad and the length of history moved over to the negative side. Along those same lines, changes in your EQ report, like an older history, can also lead to rebucketing. This may or may not be the case for you as not every pos/neg factor change is the result of rebucketing, but if they're all scrambled then it could be that you were rebucketed.

Established Member
medcinmn
Posts: 27
Registered: ‎10-28-2013

Re: AAoA differs on 2 EQ pulls?

Exactly what you explained looks like it happened, although I'm still confused why.  The negative became a positive (I understand that one) but the positive became a negative (confused why).  I have not opened any new accounts, new loans etc.

 

Oct 2013 negative: heavy use of credit (23%)

                 positive: you have an established credit history

 

Dec 2013 negative: you have a short credit history

                   positive: you've limited the use of your available credit (20%). 


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