Posts: 9,731
Registered: ‎12-30-2011

Maxxed out single revolving tradeline penalty

[ Edited ]

Finally tracked it down, was all in the Amex reporting date which updated after the DCU pull.


660 -> 646 for a 996/1000 balance (CLI chasing and high balance setting).  Only other thing was it kicked up my revolving utilization to 13%, which is possibly a small penalty as well, but it's a fairly illustrative example I think.


Rest of the data, cards with balances were identical, all the January inquiries from last year are past the counting window and everything else is recent or has already passed the 12th statement, and all the new accounts had already reported in Feb's 660's pull.  Also didn't have any negative information fall off so it was unlikely to be rebucketing unless the 13% kicked it over... which is somewhat absurd.






Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)

Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+