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i mean it is what it is but i figured that charge cards dont have util effect?
im gardening but just surprised.
anyone else have this happen too?
p.s. i have the hard hold 500 limit zync.
and since its a new month all my cards are 1 month older i guess.
last inq's 8-30-12
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
while charge cards dont count in utilization in fico 04 and 08, i believe they can till be counted as a balance carrying account. Since the number of balance carrying accounts increased for you, the score went down.
well thats a shame then. might as well only let zync report then.
its dumb to say it doesnt effect your util but still effects util.
i mean its only 2 points but still.
actually when i had 1 card report my score went up
2 no change
and 3(including zync) -2.
all with around 900 balance reported. 370/450/167
next month will only let 1 report to be golden for amex in jan.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |