700 club...but it's a mistake!

[KateInquires]

I got an alert that my score jumped 15 pts. Woo hoo! But um wait- it's because of a credit card was paid off...but it wasn't.

It's my credit union CC and I used it to transfer balances a year ago and it's my highest balance. About 4100 of a 5000 limit. Eq reported it zero. Ugh!

Next month I guess I will have to deal with a big score drop when it correctly reports. Anyone have this happen? 

[FireMedic1]

May I ask where did you see this. Wouldnt be CK possibly?

[805orbust]

Never... although since 2020 nothing surprises me.  Little errors on a temporary basis are much more common than most of us know however,  so definitely believable. 

Congrats on the Temporary score boost?  😁

[KateInquires]

I've been around these forums long enough to know better. I got the alert from credit karma and I pulled my free annual report. Sure enough, reported zero. EQ is the only one that updated with that card and of course I double checked my statement balance- on the statement it's all there. 

[805orbust]

Ugh... EQ... I hate them... like literally. There is no end to their ability to mess things up.  Crazy.

[KateInquires]

On the other hand, if they are going to screw something up I'm glad it's in my favor at least! Maybe i need to apply for something good in the next 30 days and take advantage of it 

[FireMedic1]

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@KateInquires wrote:

I've been around these forums long enough to know better. I got the alert from credit karma and I pulled my free annual report. Sure enough, reported zero. EQ is the only one that updated with that card and of course I double checked my statement balance- on the statement it's all there. 

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@KateInquiresI only asked a simple question where you saw it. Regardless how long you been on here.

[KateInquires]

@FireMedic1 no worries, I understand! 

*UPDATE* it wasn't an equifax issue- my trans is now 715 as well. So my bank screwed up the reporting I guess! Because my statement definitly shows a big old balance. Yikes.

[805orbust]

BOOM!!!

[KateInquires]

*UPDATE*

Welp! It was fun while it lasted! Had an alert this morning that my experian dropped 17 pts. Utilization went from 17% to 42%. My del one credit card balanced was corrected offcycle. 

Not a total loss- I was approved for the M&T rewards visa while my score was in the 700's. Hopefully my AMEX and Chase don't take AA on me now! My wild ride is over ..I guess I need to actually pay that balance down