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Paying down retail trade line caused Experian to go down?

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Anonymous
Not applicable

Paying down retail trade line caused Experian to go down?

So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10? 

 

I'm so confused.

Message 1 of 4
3 REPLIES 3
taxi818
Super Contributor

Re: Paying down retail trade line caused Experian to go down?


@Anonymous wrote:

So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10? 

 

I'm so confused.


never pay attention the reasons fico gives you. look at your entire report and you should be able to figure out the culprit. even though your total retail util went down your overall could have went up. in bankcards. many reason. 20 ponit either way in a month is normal. so don't sweat it.

Message 2 of 4
NRB525
Super Contributor

Re: Paying down retail trade line caused Experian to go down?


@Anonymous wrote:

So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10? 

 

I'm so confused.


What else is going on in your account over the last two months? What are your MyFICO scores now?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 4
Anonymous
Not applicable

Re: Paying down retail trade line caused Experian to go down?

I had some baddies roll off, plus an inquiry from American Express because I was approved for the Delta SkyMiles Gold Card. 

 

My scores are EQ 607, TU 608, EX 644. 

 

They were: EQ 597, TU 604, EX 652. 

 

Not FAKO, actual FICO. 

Message 4 of 4
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