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Member
Woody
Posts: 9
Registered: ‎08-09-2007
0

Ok what gives?

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
Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Ok what gives?

What is the credit limit on this card?
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Ok what gives?

and here current score and what baddies does she have?
Member
Woody
Posts: 9
Registered: ‎08-09-2007
0

Re: Ok what gives?

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
Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Ok what gives?



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

Shocking! Are you sure nothing else changed on your wife's CRs?
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Ok what gives?



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




Make sure the SL is rehabed before consolidating it.

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