Re: Me And Equifax DON'T Get Along
09-28-2012 07:31 PM
This is one of the reasons why there should be federal oversight! In this age, there is no reason why an update in favor of the consumer should take 45-60 days (Even 30 days is a long time, but I think I could live with that) while a derog hits with light speed.
I saw the new regs talked about on another thread. Writing my letter to Elizabeth Warren next week if my new Chase PIF doesn't dramatically affect my score...
On those guys, I'd PIFed my Chase account 2 days before the end data on 9/21. Had a full 0 balance for 2 days. When my statement closed I had a balance for 36.29 and I'm sure that they didn't report the 0 balance. All these little gotchas drive me crazy!!!!! Hoping that they report the 0 balance and charge my interest in the next cycle. But... I know that won't happen.
You're barking up the wrong tree. They're looking at whether your credit information is reporting accurately, not at whether you think you should have gotten more points for something.
Re what will report, if your bill says $36.29, that is what is going to report. Chase always reports statement balance.
Per above, when you said you lost 44 points for opening a new account and doing a BT that essentially maxed out the card, then only gained 18 points when you paid the account down, that's to be expected. The 44 point loss was likely due to more than just the BT, the new account, the inquiry, and the lowering of your AAoA were also factors. Once you paid the balance down, you still had a new account ding, a new inquiry, and a lower AAoA. Your score will rebound with more time.
Understand this. To be clear my gripe is that my TU and EX scores are still SIGNIFICANTLY higher than my EQ score. Several of my accounts post 5-10 days later on EQ than they do the other two bureaus as well.
Again looking for standardization and at least a variance that is prediticable. Not pity.
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $5,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000)