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Can you guess what's wrong with this picture?

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Senior Contributor

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


@Remedios wrote:

You're welcome @GApeachy  Heart

 

Stop obsessing now Smiley LOL 


yes ma'am....I'll try, promise.

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 51 of 58
Highlighted
Regular Contributor

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


@GApeachy wrote:

@Remedios wrote:

 


Aug 31 it updated to $58767, all the way through yesterday it's $58767 @ 78%utl.  This morning I saw it as $59177 %79utl.  The csr at the bank confirmed my balance. No fees, charges, nothing.  My balance online and with the csr is $58767.

So now I expect going from 78% to 79% might (maybe) ding me?  Maybe tomorrow or something?  But the $59177 has never been a number at the bank according to the csr.  She couldn't find anything close to the $410 figure either.


Fico always rounds up. Thus Fico sees both $58767 and $59177 (on your $75000 loc) as 79% utl. So going from $58767 to $59177 will not ding your score.
Message 52 of 58
Highlighted
Senior Contributor

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


@Remedios 

It is fun thoughSmiley Very Happy

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 53 of 58
Highlighted
Moderator

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


@GApeachy wrote:

@Remedios 

It is fun thoughSmiley Very Happy


I'm going to start you a thread in Smorg right now Smiley LOLHeart

Message 54 of 58
Highlighted
Valued Member

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

My Experian has gone cookoo too.

 

I was at 28% Util a couple of days ago, then, with no changes, it leap to 39% on Experian but will no score changes. I would expect a score ding for crossing the threshold if that was a true figure.

 

I have $16,940 in open revolvers (including one AU) but it is showing as only having $12,900 on Experian. Makes no sense. Even if, all of a sudden, they did not include the AU card my open revolvers are still $13,940.

 

Yet, all of the accounts (including the AU account) are still showing. Something is up with them right now.

Chase Freedom Unlimited $1k
Discover It $3.4k
Amex Blue Delta Skymiles $4k
Farm Bureau Member Rewards $5.5k

FICO8 @ 9/4/19 Ex 757 Eq 775 TU 748

Gardening and preparing to buy a house!
Message 55 of 58
Highlighted
Senior Contributor

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

It's crazy cause I resigned to letting this just go away; I still am but I just got this from TU's Wallethub:  Everything seems wonky.Smiley Surprised

 

 
You may have missed a payment
The August 2019 payment for your Synovus HELOC has not appeared on your credit report yet. We just wanted to let you know in case you forgot or this is a mistake.
CREDITOR INFO
 
 
ACCOUNT TYPE
Home equity
DATE OPENED
Apr 25, 2011
PAYMENT STATUS
Current
BALANCE
$59,117
 
I just called my LO, she said I'm good. 
”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 56 of 58
Highlighted
Valued Member

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

And what's even more stupid is that my browser Experian shows as I have described above, but the App version on my iphone still shows me at 28% usuage.

 

Crazy.

Chase Freedom Unlimited $1k
Discover It $3.4k
Amex Blue Delta Skymiles $4k
Farm Bureau Member Rewards $5.5k

FICO8 @ 9/4/19 Ex 757 Eq 775 TU 748

Gardening and preparing to buy a house!
Message 57 of 58
Highlighted
Senior Contributor

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


@financialcontroller wrote:

And what's even more stupid is that my browser Experian shows as I have described above, but the App version on my iphone still shows me at 28% usuage.

 

Crazy.


Yeah, I don't think we're gonna figure it out.  

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