topic Bad Acct fell off. Big EQ point jump! in Rebuilding Your Credit

Bad Acct fell off. Big EQ point jump!

citymunky — Fri, 06 Mar 2026 03:29:10 GMT

I'm not sure how I missed this notification, but one of two bad accounts finally fell my credit profile. Which was the USAA CC in my sig.

+41 points jump on my EQ FICO8 score (from 732 to 773). MyFico App shows the bump was due to the balance of one of my accounts decreaing by $100 on my HELOC, however Credit Karma shows USAA being removed. Credit Karma shows +2 point bump on my VS3 (from 823 to 825).

Also one off my 3 HPs fell off, with another due to fall off at the end of this month. Next stop 800s.

Re: Bad Acct fell off. Big EQ point jump!

JoeRockhead — Fri, 06 Mar 2026 12:31:08 GMT

Nice, congratulations on your score bump and continued success on your journey to 800+.

Re: Bad Acct fell off. Big EQ point jump!

FicoMike0 — Fri, 06 Mar 2026 13:55:20 GMT

Congratulations

Re: Bad Acct fell off. Big EQ point jump!

RobertS2 — Fri, 06 Mar 2026 23:34:27 GMT

Congrats! That's a nice way to start the month.

Re: Bad Acct fell off. Big EQ point jump!

BamaGrad99 — Tue, 21 Apr 2026 00:59:27 GMT

Congrats!!!

Re: Bad Acct fell off. Big EQ point jump!

Thomas_Thumb — Thu, 23 Apr 2026 18:07:54 GMT

@citymunky wrote:
I'm not sure how I missed this notification, but one of two bad accounts finally fell my credit profile. Which was the USAA CC in my sig.

+41 points jump on my EQ FICO8 score (from 732 to 773). MyFico App shows the bump was due to the balance of one of my accounts decreaing by $100 on my HELOC, however Credit Karma shows USAA being removed. Credit Karma shows +2 point bump on my VS3 (from 823 to 825).

Also one off my 3 HPs fell off, with another due to fall off at the end of this month. Next stop 800s.

Congrats on the score increase! What is your last derog on file?

FWIW - Fico lists the trigger event that prompted a pull for a rescore. Often a score changes is not due to the trigger event. As in your case, something else changed in your CRA report between the 2 pulls. Credit Karma does a pretty good job of listing account and derog changes associated with EQ and TU data.

Re: Bad Acct fell off. Big EQ point jump!

pizzadude — Thu, 23 Apr 2026 18:16:32 GMT

Congrats on the FICO score boost ! You'll hopefully be in the 800s soon

Re: Bad Acct fell off. Big EQ point jump!

citymunky — Thu, 23 Apr 2026 23:45:37 GMT

@Thomas_Thumb wrote:
FWIW - Fico lists the trigger event that prompted a pull for a rescore. Often a score changes is not due to the trigger event. As in your case, something else changed in your CRA report between the 2 pulls. Credit Karma does a pretty good job of listing account and derog changes associated with EQ and TU data.

I have a closed car loan with some 30 day lates. The car was involved in a accident in Jan 20 that ended up totalling the car, and I was made aware that the car would be totalled in Jan, so I didn't pay in Feb thinking that the insurance process wouldn't take over 30 days.

EQ and TU reports: Sep2019 and Feb2020

EX reports: Sep2019, Feb2020, and Mar 2020 (I tried to dispute the Mar 20 since the loan was made whole in Mar, by EX doesn't want to budge even with the CFPB contacted).