EX 14pt drop after CLI and zero balance.

[Anonymous]

Any ideas why this would cause a drop? 

Went from 3300 to 6300 on disc it.

Also reporting a 250 > 0 balance.

Woke up  this morning to see a 14pt drop. Kinda bummed.

[Anonymous]

where are you getting your EX score from did you say?

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@Anonymous wrote:

Any ideas why this would cause a drop? 

Went from 3300 to 6300 on disc it.

Also reporting a 250 > 0 balance.

Woke up  this morning to see a 14pt drop. Kinda bummed.

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[Anonymous]

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smarzig wrote:

where are you getting your EX score from did you say?

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MrDre wrote:

Any ideas why this would cause a drop? 

Went from 3300 to 6300 on disc it.

Also reporting a 250 > 0 balance.

Woke up  this morning to see a 14pt drop. Kinda bummed.

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Myfico monitoring Alert.

[Anonymous]

hmm that IS strange? But.. your score is your not your LIFE ! haha.

We can get a bit carried away.

I'm sure the wise owls on here will ask you for more info.
Something had to change.

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[Anonymous]

TIL if you are reporting 0% you take a credit hit.

[Creditwiser]

You will take a hit if all your revolving accounts are reporting a zero balance. Are they ?  And if so, dont sweat it, its only temporary until one account reports a balance.

[Anonymous]

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@Creditwiser wrote:

You will take a hit if all your revolving accounts are reporting a zero balance. Are they ?  And if so, dont sweat it, its only temporary until one account reports a balance.

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YEP. Currently reporting 0 util accross the board.

Gonna be mindful to owe a few bucks when statement closes.

[gdale6]

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@Anonymous wrote:

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@Creditwiser wrote:

You will take a hit if all your revolving accounts are reporting a zero balance. Are they ?  And if so, dont sweat it, its only temporary until one account reports a balance.

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YEP. Currently reporting 0 util accross the board.

Gonna be mindful to owe a few bucks when statement closes.

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Yup, you need to let 10-20 bucks report on a card perferrably your highest limited card. You also want to be sure not to exceed more than 9% of a cards limit reporting

[Anonymous]

quote Yup, you need to let 10-20 bucks report on a card perferrably your highest limited card. You also want to be sure not to exceed more than 9% of a cards limit reporting

wow I didnt know that? I thought it was not over 9% of your total cards CL ?

So my 3k Chase reporting at $450 drags my score down even though my total uti is %5?

[gdale6]

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@Anonymous wrote:

quote Yup, you need to let 10-20 bucks report on a card perferrably your highest limited card. You also want to be sure not to exceed more than 9% of a cards limit reporting

wow I didnt know that? I thought it was not over 9% of your total cards CL ? No, individual CL

So my 3k Chase reporting at $450 drags my score down even though my total uti is %5? Yes you are being dinged a few points for it being over 10%. You need to find the sweet spot for you its different for everyone and you can only do that by letting different percentages report between 1-9% of 1 card.

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