What's going on

[Anonymous]

Ugh!!! Just got 6 alerts on equifax bring down util on one card by 56%. No score change. I checked last months alerts and I got a 9 point increase in equifax for lowering it 27%!!

I have something on my equifax report being disputed. Is that why I'm not getting my points???

[Anonymous]

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@Anonymous wrote:
Ugh!!! Just got 6 alerts on equifax bring down util on one card by 56%. No score change. I checked last months alerts and I got a 9 point increase in equifax for lowering it 27%!!

I have something on my equifax report being disputed. Is that why I'm not getting my points???

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Not every balance decrease is going to improve your scores.  Work on keeping your balances as low as possible and your scores overall will reflect that..  In the meantime I'd suggest not focusing too much on the small ups and downs in your credit scores.  It will drive you crazy if you obsess too much onthem 

[tufa4311]

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@Anonymous wrote:
Ugh!!! Just got 6 alerts on equifax bring down util on one card by 56%. No score change. I checked last months alerts and I got a 9 point increase in equifax for lowering it 27%!!

I have something on my equifax report being disputed. Is that why I'm not getting my points???

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Two things. First, while it's great you dropped UTIL by 56% what is more important is what you dropped it down to. If you were at 100% UTIL and dropped to 50% that's great but you are still well above the optimum 1-9% UTIL.

And second, a dispute could actually increase your score as the item in dispute ceases to be taken into account by FICO in important areas of scoring thus if it was a negative factor that negative affect is removed for the time being:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/credit-score-while-disputing/m-p/3972042#M92732

[Anonymous]

It's weird, because I've gotten balence decrease points on everything. This is making me believe that the dispute is causing this issue.

[NRB525]

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@Anonymous wrote:
It's weird, because I've gotten balence decrease points on everything. This is making me believe that the dispute is causing this issue.

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What are your scores? Which CC do you have, CL, utilization on each? Each file is different so, as noted, 56% decrease in utilization, while good, needs a context to be understood.

[Anonymous]

My util went from 14% to 10%. Ex updated and score is 698 eq updated yet score didn't increase stuck at 681. Tu didn't update yet. FYI ex has been my lowest score, so I know something is wrong with eq.

[Revelate]

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@Anonymous wrote:
It's weird, because I've gotten balence decrease points on everything. This is making me believe that the dispute is causing this issue.

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All bets at scoring SWAGs are off when disputes are involved.

They do seriously wierd things to scores.  To add what others have suggested, finish prettying up your file and when the disputes are clear, then see where you land.  Lower revolving debt is absolutely important with how FICO works, but the vagaries of the ups and downs along the way and focusing on the short term rather than the overall trend is a path to insanity.  

Relax, know you're making progress both credit wise and financially.