As hard as I try, I'll never understand the credit scores. I have two CC post BK7 10/2014. I always keep my util under 9% usually on one card, rotating them. This month, I paid both down to $0, because I was hoping to get a few point kick before applying for an auto loan. EQ drops my score from 654 to 645. Nothing else has changed. This is very frustrating. Does anyone have any idea why this would occur?
Starting Score 12/2013: 547 EQ; 529 EX; 540 TU
@StartingOver10 wrote:
@bunga7 wrote:As hard as I try, I'll never understand the credit scores. I have two CC post BK7 10/2014. I always keep my util under 9% usually on one card, rotating them. This month, I paid both down to $0, because I was hoping to get a few point kick before applying for an auto loan. EQ drops my score from 654 to 645. Nothing else has changed. This is very frustrating. Does anyone have any idea why this would occur?
What does 10/2014 mean? Oct 2014? If so, then you won't see any improvment until after your discharge in October.
Sorry, That should have been 10/6/2013. Discharged 10 months ago