EQ score drop because of CC inactivity?

[octavia]

I recently checked TC and noticed that my EQ score dropped 11 pts. on TC from 600 to 589.

But when I checked EQ SW I had an alert because of inactivity on my HSBC credit card since 10/2007. I did PIF before the bill due date.

Why did my score drop because of inactivity?

[octavia]

BUMP

[Anonymous]

Always do something useful with each card every month make a small purchase buy a new FICO report with a promo code they cost $11.96 pay it down leave a $2 balance

[Anonymous]

I have notices some weird stuff with HSBC this month.

On the DW report they updated the balances to Zero (as they should be) and 2 days later to last months balance.

One of here HSBC accts removed all the lates.

my reported dates have changed 5 times in the last 2 weeks on my 2 HSBC cards.

[Anonymous]

WATCH HSBC very closely in July I had a balance of $36 I used well my girl used the card that in the middle of the month to pay a phone bill and a couple other things they reported again for July a balance of $298 the next month I had paid my balance down to $3.90 they didnt report it at all the next month she jacked it up again a balance of $369 used the card in the middle of the month they went back and reported $384 I paid that down to $30 in October they didnt report at all they were waiting to see if we were going to jack it up again they reported a $43 balance on November 9th this what it looked like

10/2007 $43

09/2007 $384
09/2007 $369
07/2007 $298
07/2007 $36

[Anonymous]

BTW- You know HSBC normally posts the balance on the last weekday of the month right? Not the statement balance.

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@Anonymous wrote:

WATCH HSBC very closely in July I had a balance of $36 I used well my girl used the card that in the middle of the month to pay a phone bill and a couple other things they reported again for July a balance of $298 the next month I had paid my balance down to $3.90 they didnt report it at all the next month she jacked it up again a balance of $369 used the card in the middle of the month they went back and reported $384 I paid that down to $30 in October they didnt report at all they were waiting to see if we were going to jack it up again they reported a $43 balance on November 9th this what it looked like

10/2007 $43

09/2007 $384
09/2007 $369
07/2007 $298
07/2007 $36

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[Anonymous]

NO!! they report when they want to they would usually report my balances a week after the due date thats why I would use them during the middle of the month so I could pay them off before they could report again  but then they started reporting twice a month they would report on the 16th then again on the 25th because of the higher balance

[octavia]

I will use my cc today.  Maybe my score will go back up.

Thanks for your responses.