Frequent Contributor
Posts: 353
Registered: ‎05-01-2007

It doesn't.  The SW alert was probably because the FICO score changed and not due to the balance decrease.  The balance decrease effects your utility and the lowered utilization is probably what caused a score increase and the score increase triggered the SW alert.


Looks you've come a long way!  Congrats!  Hope to be in your shoes someday. Smiley Happy I also had a SW alert for increased score after a new account started reporting.  Small, but I'll take it.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.