Can you guess what's wrong with this picture?

[Remedios]

Any AU accounts?

[GApeachy]

Yes, Home Depot and Lowes, Venture and Discover are AU's.

MINE:

Synovus 75k  bal. 58k loc "revolving"

CREDIT CARDS:

Cap1 Savor mine 0 but hasn't updated  $5500 cl ($383 bal) it's really zero

Good Sam Visa $5k cl ($333 bal)

Discover $3k cl ($40)

@Remedios  That's it, you are smart as all get-out!  $756.00  So they dropped the LOC.

EDIT:  Forgot to add Spark as AU too.  None of the other Business tl's will report personally.

[Anonymous]

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@GApeachy wrote:

Huh? where do I do that at?  I hadn't done anything....this just pooped out a number today on it's own.  Tell me what to do and I can try.

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In Experian you go to the Section that says "Reports & Scores" then to the "Financial Profile" and scroll down to an area that says"____ Estimated Debt-to-Income" which does allow for review of the information (drawn from your credit report for "expenses" and I supplied the "income" (don't remember what they had or where they got it but I updated). Now they are accurate!

You showed a screen shot on another post so you were in the right area.

[GApeachy]

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@Anonymous wrote:

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@GApeachy wrote:

Huh? where do I do that at?  I hadn't done anything....this just pooped out a number today on it's own.  Tell me what to do and I can try.

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In Experian you go to the Section that says "Reports & Scores" then to the "Financial Profile" and scroll down to an area that says"____ Estimated Debt-to-Income" which does allow for review of the information (drawn from your credit report for "expenses" and I supplied the "income" (don't remember what they had or where they got it but I updated). Now they are accurate!

You showed a screen shot on another post so you were in the right area.

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That didn't change anything.  They were off by <30k> income.  The expenses said $530.  I added the 30k to income but it didn't change anything.

[Remedios]

It's the AU accounts. Depending on where you look on EX website, they show them included in calculations, or they may not.

[GApeachy]

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@Remedios 

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So today on, exp will no longer count my LOC?

[GApeachy]

 This loc is in Both of our names actually.  And it's always been part of my utl%, even yesterday. (46%)  

[Remedios]

Was there a scoring change? 

[GApeachy]

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@Remedios wrote:

Was there a scoring change? 

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I got an alert yesterday about a score drop (4 pts.) but the percentage was still 46%.  Got another alert this morning about my credit freeze, so when I logged on I noticed the percentage had dropped.  Could this have anything to do with a freeze?

[Remedios]

No, freeze would not cause it