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Your $15,000 Crap1 limit was corrected to the actual $150 CL when they figured out their mistake.
Applied for a Macy's card for black friday and maxed it out same day.
Holy Crap!!!
@guydiver wrote:Your $15,000 Crap1 limit was corrected to the actual $150 CL when they figured out their mistake.
My guess: you are an AU on a relatives account. Probably your oldest account reporting. The primary allowed a neg to report. Or- the utility was run up high on this account. It's your highest reported limit causing your utility to skyrocket. Or a combo of the both. Or last but not least- the primary just closed the account or you are no longer a AU on it pushing your utiltiy up and AAoA down. That's my guess.
I am going to guess that you let a card (with good cli) go stale and they closed the account and removed your tradeline. You lost an aged card and the CLI.
It has to be a combo. I say a bad collections, plus he is an AU on another account that went late/bad. He called the bank and demanded that he be removed from the AU account. The bank agreed and will report this ASAP. Score will go back up tomorrow.
I had something similar happen to me. I had dropped from a class and was waiting for the Registar to report how much I owed (20% or 33%). The Business Office billed me the full amount. They put me in collections. My score dropped 50 points. I called the Businees Office back, who called the Registrars Office and I was billed out at 20%. I put a down payment and received a $7 refund. The CA corrected all of my accounts within 24 hours.
@Duncanrr wrote:
He got busted by his employer for supplying classified documents to Wikileaks.
Oh noooo!!!! Dang! I had a feeling this would eventually happen...
The clock is ticking....
Hint #4: it is a combo
Okay, I'll make a wild guess here. One of your oldest accounts fell off and at the same time a new credit item with a balance appeared which reduced your AAoA and increased your utilization.
Your EX reported you to the IRS because you were having an affair with her sister (or brother)
She/He tells the IRS you were laundering money through your credit cards !
Oh Wait......that was me :-(
You pre-purchased all of the items in the song Twelve Days of Christmas. Cost this year: $107,000.