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Can Someone Please Explain This (Equifax)

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Can Someone Please Explain This (Equifax)

Hello, I have an EQ membership and noticed this on my credit score details. I've noticed it for a while, but I finally looked at it closer. Note, it says this is one of the factors hurting my score. However, I can't find anything in my credit report that lines up with the message. It even says $0 right underneath it.

 

Balance.jpg

 

Anyone have any idea why this is there and who I can reach out to in order to get it removed?

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Current EQ: 684 | EXP: 691 | TU: 722 (8/17)

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Freedom Unlimited $0 ($4,000) | *NEW* Discover It $0 ($5,000) | *NEW* Barclay Card NFL Extra Points $0 ($6,000) | *NEW* Marvel Mastercard $0 ($4,000) | *NEWLY UPGRADED* Nordstrom Visa $0 ($7,000) | American Express Every Day $0 ($1,000) | *NEWLY UPGRADED* Capital One Quicksilver $0 ($3,900) | Capital One Platinum $0 ($3,500) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $1,400 ($2,000) | BarclayCard Visa $3,105 ($3,190) | Macy's $1,701 ($3,000) | JC Penney $0 ($3,500) | Bayport Credit Union Flex Account $2,029.68 ($3,000) | Synchrony Amazon $2,728.40 ($4,000)

Other Debt

Car Loan - Payoff Date 9/17 (60 month loan) Smiley Happy Smiley Happy Smiley Happy Happy Dance
Mortgage
Student Loans
3 REPLIES 3
Valued Contributor

Re: Can Someone Please Explain This (Equifax)

Is the their own scoring model? If it is, I wouldn't worry about it. I've never seen FICO use this comment before.


EQ 679 EXP 700 TU 763
Message 2 of 4
Established Member

Re: Can Someone Please Explain This (Equifax)


@medicgrrl wrote:
Is the their own scoring model? If it is, I wouldn't worry about it. I've never seen FICO use this comment before.

That's a good point. Do you recommend I drop that account and just use what myFICO offers?

Starting EQ: 601 | EXP: 623 | TU: 637 (2/17)
Current EQ: 684 | EXP: 691 | TU: 722 (8/17)

Goal EQ: 750 | EXP: 750 | TU: 750 (12/17)
Credit Card Debt Free Goal: March 2018

*NEW* Chase Freedom Unlimited $0 ($4,000) | *NEW* Discover It $0 ($5,000) | *NEW* Barclay Card NFL Extra Points $0 ($6,000) | *NEW* Marvel Mastercard $0 ($4,000) | *NEWLY UPGRADED* Nordstrom Visa $0 ($7,000) | American Express Every Day $0 ($1,000) | *NEWLY UPGRADED* Capital One Quicksilver $0 ($3,900) | Capital One Platinum $0 ($3,500) | Bayport Credit Union $6,876 ($7,500) | American Express Delta $1,400 ($2,000) | BarclayCard Visa $3,105 ($3,190) | Macy's $1,701 ($3,000) | JC Penney $0 ($3,500) | Bayport Credit Union Flex Account $2,029.68 ($3,000) | Synchrony Amazon $2,728.40 ($4,000)

Other Debt

Car Loan - Payoff Date 9/17 (60 month loan) Smiley Happy Smiley Happy Smiley Happy Happy Dance
Mortgage
Student Loans
Message 3 of 4
Valued Contributor

Re: Can Someone Please Explain This (Equifax)

I definitely recommend monitoring your FICO scores... whether it's here or thru another site. To monitor your credit only, you can sign up for free sites like Credit Karma and Wallethub....just ignore their score's. Depending on how often you want to see your scores, there are various ways to obtain them for little money. Do you have any open accounts that give you free FICO scores?


EQ 679 EXP 700 TU 763
Message 4 of 4
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