Understanding FICO® Scoring

[Woody]

Ok please help me understand what's going on here? My wife has one measly credit card with a balance of $1500. Last months balance was $1200 at the time of reporting to the bureaus, so we paid the balance down to $58.00 and this is now reflected in the credit reports except Equifax which always seems to be a month behind. Anyhow, we didn't notice one change in FICO scores for Experian and Transunion. Am I missing something here? Woody

[fused]

What is the credit limit on this card?

[Timothy]

and here current score and what baddies does she have?

[Woody]

Sorry. I meant the credit limit is $1500. She has a student loan in collection that is scheduled to be consolidated within the next few days. She also has a small medical bill in collection but the CA has already agreed to a PFD. Woody

[fused]

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Woody wrote:
Sorry. I meant the credit limit is $1500. She has a student loan in collection that is scheduled to be consolidated within the next few days. She also has a small medical bill in collection but the CA has already agreed to a PFD. Woody

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Shocking! Are you sure nothing else changed on your wife's CRs?

[Timothy]

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Woody wrote:
Sorry. I meant the credit limit is $1500. She has a student loan in collection that is scheduled to be consolidated within the next few days. She also has a small medical bill in collection but the CA has already agreed to a PFD. Woody

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Make sure the SL is rehabed before consolidating it.