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EQ 04 and EX 08 confused me @.@

tag
Aarvard
Established Contributor

EQ 04 and EX 08 confused me @.@

Hi folks,

Today when my Barclay card reported a $0 balance, my EX 08 went down from 730 to 714 but EQ 04 unexpectedly went up from 717 to 722. Is that weird? I thought that 0% util was supposed to lower the scores. 
Has anyone experienced this before?

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: EQ 04 and EX 08 confused me @.@

they are different models and take information in different ways, that way the scores varies.

Message 2 of 4
Aarvard
Established Contributor

Re: EQ 04 and EX 08 confused me @.@


@Anonymous wrote:

they are different models and take information in different ways, that way the scores varies.

I know that, but aren't they supposed to increase/decrease at the same time?

 

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 3 of 4
gdale6
Moderator Emeritus

Re: EQ 04 and EX 08 confused me @.@


@Aarvard wrote:

@Anonymous wrote:

they are different models and take information in different ways, that way the scores varies.

I know that, but aren't they supposed to increase/decrease at the same time?

 


There is no guarantee that different models of Fico will move at the same time, they are all looking for different info as already stated. As to your initial post the 0% util reporting Fico ding applies to all cards at 0 and no utilization of your revolving credit at all. You want 1 card reporting no more than 9% of its individual CL.

Message 4 of 4
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