Why did my equifax score drop 12 points
01-10-2012 06:28 PM
My transunion score in August 2011 was 732 and equifax was 725. I just pulled my credit report today 1/10/2012 and my transunion stayed at 732 but my equifax is at 713. The only change that I see is that my credit card balance has been zero for a few months. Does not using credit cards and maintaining zero balance hurt your credit score?