cancel
Showing results for 
Search instead for 
Did you mean: 

Can you guess what's wrong with this picture?

Highlighted
Valued Contributor

Re: Can you guess what's wrong with this picture?


@GApeachy wrote:

Now that's my kind of math!  

Exp.  It was 46% yesterday.


LOL just epic Smiley LOL

Message 21 of 58
Highlighted
Super Contributor

Re: Can you guess what's wrong with this picture?

Just CMS fluff software quirks going on here, something that can happen across many sources.

 

Several CMS services that I use include my mortgage (as they should) when showing my debt.  My mortgage may be at a balance of (say) $130k, where my CC debt reported at any given time may be at (say) $2k.  The CMS will show my overall debt as being $132k, but utilization still at 1%-3%.  This is actually very common. 

Message 22 of 58
Highlighted
Senior Contributor

Re: Can you guess what's wrong with this picture?

one card hit 3 months
Screenshot 2019-09-01 at 4.11.13 AM - Edited.png.


@BrutalBodyShots 

..........even though this is revolving debt only?

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 23 of 58
Highlighted
Senior Contributor

Re: Can you guess what's wrong with this picture?

@Remedios   Is this what you were talking about?......this is DS's.  About 2k is his. The rest AU

Screenshot 2019-09-01 at 4.44.50 AM - Edited.pngfresh pull

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 24 of 58
Highlighted
Contributor

Re: Can you guess what's wrong with this picture?

Could it be there is an issue with EX? 

 

Mine shows:

Credit and Retail Card Debt

$26

Real Estate Debt

$0

Installment Loans Debt

$23,607

Collections Debt

$0

Total Debt

$23,775

 

USAGE 47% Smiley Surprised

TOTAL CREDIT $7350

 

 

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
4/20 TR 649 EX 663 WQ 628
Message 25 of 58
Highlighted
Senior Contributor

Re: Can you guess what's wrong with this picture?

 

 


@goodcreditforus wrote:

Could it be there is an issue with EX? 

 

 

I thought that too.....never seen it before so yeah, it looked weird, looked glitchy.


After Remedios pointed out the utl% can be different in different places (not on mine) but on my son's it reflected that difference. I had to fresh pull his to see how his reflected 0% on some pages and 9% on his new 3b report.  It was interesting to find and see.  So maybe on my next 3b it will scold me again at 46%.
”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 26 of 58
Highlighted
Senior Contributor

Re: Can you guess what's wrong with this picture?


@BrutalBodyShots wrote:

Just CMS fluff software quirks going on here, something that can happen across many sources.

 

Several CMS services that I use include my mortgage (as they should) when showing my debt.  My mortgage may be at a balance of (say) $130k, where my CC debt reported at any given time may be at (say) $2k.  The CMS will show my overall debt as being $132k, but utilization still at 1%-3%.  This is actually very common. 


Okay, thanks.  Glad to know it's common but was a first for me and baffling.

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 27 of 58
Highlighted
Community Leader
Super Contributor

Re: Can you guess what's wrong with this picture?


@GApeachy wrote:

Just one more in case you think I'm faking the pic.So, would this be a good time for an app spree?Smiley Tongue  Or should I wait for my scores to go to 850 in the morning?  I mean, somethings in my favor (though wrong).....Lottery Ticket run.


Well yeah. Go for it 😂🤣😂🤣.

 

J O K I N G


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 28 of 58
Highlighted
Community Leader
Super Contributor

Re: Can you guess what's wrong with this picture?

Uhoh LauraC. Sounds like you have some Gremlins 🤣


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 29 of 58
Highlighted
Moderator

Re: Can you guess what's wrong with this picture?


@GApeachy wrote:

@Remedios   Is this what you were talking about?......this is DS's.  About 2k is his. The rest AU

Screenshot 2019-09-01 at 4.44.50 AM - Edited.pngfresh pull


 

 

Yup, it changes depending on where you look 

 

I no longer have any AU accounts, but it used to confuse the doodoo out of me when I had them

 

 

Message 30 of 58
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.