Why won't Equifax Score Reset to it's Highest Level

[haulingthescoreup]

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@llecs wrote:

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@haulingthescoreup wrote:

After all, TU98 means 1998.

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Really? All this time I thought it was 1898.

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[Imhotrodcrazy]

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@haulingthescoreup wrote:

hotrodcrazy, interesting about no score change for you when you hit 19 years. I wonder if your credit profile is so stable that there wasn't really anything to help (or hurt) when you went up another year?

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I think you may be right about being stable.  I don't apply for credit, I have more than enough.  ( I did consider US Banks Harley-Davidsons card a few days ago but decided against that ).  I have never missed a payment  on anything.  I only have one inquiry on EX that will drop this Dec.  EQ and TU have none.  Nothing changes on my report other than everything getting older.  ( including ME ).    You are far better at this stuff than I am.  At my age, if I figure something out today, I will forget it by tomorrow.   Anyway,  I enjoy learning something new each day on the forums, and reading everyone's posts. 

[Anonymous]

I notice your utilization on your high score is 1% and 0%

on the lower score.  I find my score will go down if I don't use my credit.

0 balance does not help.

[veracious]

Thanks,casinoannie97.

I noticed  that .  I wish I could get it to go up from where I started or at least , return to the score I started with.

I've tried different %'s of utilization.  Has your score ever reset after you pay down utilization?

BTW, I pay in full every month ,but it seems like I'm spinning my wheels right now.

Nothing to do but bide my time until my score decides to go up again.

[Anonymous]

My EQ score will change if
I carry balances on more than 2 accounts

and also when my utilization changes.  Also if

I show 0 balances.  I lose 2 or 3 pts and gain them

back next month.

EQ 802

[veracious]

Thanks, casinoannie97.

Your last post disclosed what I had failed to realize.

I was so busy studying the changes of different %'s of utilization  that I never gave the FICO score

one  or two months to  adjust, or,as you said gain them back

I'll try letting 0% report for two months and see what happens.

[Anonymous]

yes but carrying 0 balance is not good.  you will

lose points.  Carry at least a small balance on

one card.