Posts: 17,409
Registered: ‎07-14-2009
Re: Why did my equifax score drop 12 points

perfectscore wrote:
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?

Welcome to the forums.


As a matter of fact showing all zero balances all the time will hurt your score. I know that seems counter productive but that's the way it is. It seems like what helps most people is to only have one of their credit card accounts report a small (<9% of it's credit limit) each month and let any other CC accounts report a zero balance.




From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".