Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Starting to question Myfico

OP, for clarity, you received a SW alert on EQ for a drop in score. If you haven't pulled EQ since the alert, how do you know the drop in score included a dropped baddie? Could the collection still be reporting? In other words, did the 648 exclude the collection already?


T-mobile never reported, right? If it was the CA that dropped then AAoA never changed since it isn't factored in.


Going from the before and after util probably wouldn't result in too much of a FICO change since util is still high plus you are carrying balances on all of your accounts. Get 2 to report $0 and you'll see a nice boost.