Established Contributor
Posts: 1,002
Registered: ‎12-06-2011

Adalen wrote:

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.

I noticed you have Apple on your wallet... as in APPLE FCU? so you're from VA as well? I recently got my car refinanced thru them! they lowered my 26.99% car loan interest to a 9.24%! they're my new fave bank! Smiley Wink

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012