Focusing on EQ for a sec...definitely review your EQ report again via EQ's CMS. Also look for any changed in your SW for alerts and/or score changes (I've misplaced a few e-mails w/ my subscription). Also zero in on the target score. Remember, you'll only get alerted if the target score is hit or exceeded. I'd guess an alert by now if everything was set correctly.

For the non-reporting loan, if open, I'd call them and ask if they even report to EX. Not every account will report to all 3.

Oh believe me, I keep an eagle eye on my emails for anything from myFico.!! Have not gotten any alerts or emails since 9/7, other than the one today saying no SW alerts or changes. 

Silly question, where do I find the EQ CMS?

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S7 wrote:

 

Silly question, where do I find the EQ CMS?

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That's what you are subscribed to already....IIRC, Equifax Credit Complete (or whatever it is). The service you subscribe to now allows oyu to pull daily.

AHA! Yep, I have looked over EQ Complete, and even today, it shows the CC on it, but no changes to score.    Oh well!

Well, ignore that score. It's a FAKO. 

I paid down the balance on two accounts 44-50% uti to 30% with no change in score. One updated on 9/21, the other on 9/26. 

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Azumi1 wrote:

I paid down the balance on two accounts 44-50% uti to 30% with no change in score. One updated on 9/21, the other on 9/26. 

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I wouldn't expect a change. 30% is still high. 

What was the change in overall util? Or are these your only two?

Is util listed as a top one or two negative reason on your EQ FICO report?

My overall uti is 24% and it's listed as hurtiing my score. It's the third item.