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For carrying a 0 balance on all of my credit cards by accident of course. I normally try to leave a $1.00 to $2.00 balance on one card, but here is the results:
Equifax - I lost 0 pts
Transunion - I lost 12 pts for not utilizing my available credit
Experian - ?
I have one card that will report on the last day of the month which should bring that score back up.
Thanks for posting! It falls in line with what some others have said about TU.
Thanks Llecs.
Last month 3 of my cards showed a balance totaling up to $5.00 and here are the results:
Transunion - No change to score
Equifax - dropped 7 pts to 640 then gained 16 pts to 656 when only 2 cards showed a balance totaling $3.00
Last month 3 of my cards showed a balance totaling up to $5.00 and here are the results:
Transunion - No change to score
Equifax - dropped 7 pts to 640 then gained 16 pts to 656 when only 2 cards showed a balance totaling $3.00. How do you explain this? I assume exactly one card showed a balance in the baseline being compared against. So, surprisingly, you gained 9 points by going from one to two cards showing a balance. Did anything else changes in your report?