Regular Contributor
Posts: 205
Registered: ‎06-04-2012
4 pt drop from all cc's $0 balance

So i checked my eq fico and was sad to see i had a 4 pt drop.  Originally i thought this small ding may have been from recently paying off my car loan.  However that hasn't updated yet.  My best guess is that its due to all 5 of my cc's currently reporting a $0 balance.  However, in about another week my nfcu card will report a less than 1% util balance so hopefully i'll get those points back.  On a happy note, i noticed that an old 30 day late that should have fallen off in 1/13 is already gone.  Sadly, myfico still has it flagged as anegative acct.  2 out of 4 of my accts flagged as negative should no longer be negative.  I really need to get serious about manipulating my util % reporting.

Starting FICO 667 (5/2012) EQ
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013