topic Paying down retail trade line caused Experian to go down? in Understanding FICO® Scoring

Paying down retail trade line caused Experian to go down?

Anonymous — Fri, 19 Jun 2015 16:49:36 GMT

So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10?

I'm so confused.

Re: Paying down retail trade line caused Experian to go down?

taxi818 — Fri, 19 Jun 2015 22:42:16 GMT

@Anonymous wrote:
So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10?

I'm so confused.

never pay attention the reasons fico gives you. look at your entire report and you should be able to figure out the culprit. even though your total retail util went down your overall could have went up. in bankcards. many reason. 20 ponit either way in a month is normal. so don't sweat it.

Re: Paying down retail trade line caused Experian to go down?

NRB525 — Fri, 19 Jun 2015 23:39:30 GMT

@Anonymous wrote:
So, I paid down my Comenity/Express retail trade line and it caused my Experian to drop 8 points, but it caused Equifax to go up 10?

I'm so confused.

What else is going on in your account over the last two months? What are your MyFICO scores now?

Re: Paying down retail trade line caused Experian to go down?

Anonymous — Fri, 19 Jun 2015 23:52:36 GMT

I had some baddies roll off, plus an inquiry from American Express because I was approved for the Delta SkyMiles Gold Card.

My scores are EQ 607, TU 608, EX 644.

They were: EQ 597, TU 604, EX 652.

Not FAKO, actual FICO.