I'll wait it out a bit and see what happens. I just grabbed my annual (twice annual since I live in MA) credit report from Equifax just to confirm that it's not a glitch with EQ data in the credit monitoring sites, and they really do not show there. (And for ownership, rather than Individual, Authorized User, or Joint, DW's CapOne shows as Undetermined.) Shocking to see that I had nearly 200 soft pulls on EQ in the past year! LOL
Freezing EQ wouldn't actually prevent this from happening, though, right? Existing lenders are still able to update info, even if it's incorrect or omitted.
I’m expecting drops into the 720s on all 3 when I get my 3 CCT scores in a few days (February and 28 days threw off my 30 day timing) due to BT rearranging. The only real differences between EQ and the other two will be the missing AU accounts, so we’ll see how it differs with the shorter credit history and slightly lower AAoA. Again, mainly due to the Discover card, overall util will be off a percent or so at most.
At least it will a great datapoint to have in the end when it's all said and done. 
Okay, now this is just bizarre. I just pulled my monthly CCT 3 bureau update. As expected, I had drops on both Experian and TransUnion due to the BT shuffling and a couple of cards reporting 60+% utilization. That will recover in a few months as those balances come down. What I was not expecting is that my Equifax score actually went up a point! This makes no sense. I just went through the reports and compared. The main differences I can see on Equifax:
- AU Chase card opened in November not reporting (but joint Jordan's Furniture account opened in January is); okay so maybe a point or two for not having this new card ding.
- About $200k or so in credit lines not reporting, but also about $28k in revolving debt not reporting. With rounding, Equifax overall utilization is 2% higher than EX and TU. You'd think I would lose a few points here.
- One card with just over 60% utilization is not reporting, but I have two others in the same boat (PenFed, NFCU) that are. You'd think maybe a point or two at most for this one card.
- Number and age of inquiries is relatively equal across all 3.
- Age of oldest account is now 5.8 years newer on EQ (18.2 vs 24). Okay, so maybe 18 and 24 are in the same relative scoring bucket, and the next boost is really at 25?
- Average age of accounts is 7.3 years vs 8 years. In the past few years, I have seen score drops going under 8. Maybe with other factors on my reports this is no longer the case?
- Of the revolvers that are reporting to all 3, the only difference in reported balances is US Bank, which is about $200 higher on EQ.
Certainly a mystery, but losing those AU accounts my EQ is at 738 while the other two are at 724.
Edit: Wonder if I got rebucketed with EQ? Like my reports don't look as good for someone with 24 years of credit history, but they look pretty good (2 points shy of very good) for someone with a limited 16 years? I really wish I knew now what I knew when I started closing accounts 15-20 years back.
Told you. Perhaps not entirely in the way I thought it would (not) impact your credit but I told you.
Update: Just got an alert from CK that a new Chase account was reported to my Equifax account. Logged in and DW’s CSP that she just opened in November is reporting again. Bad for my AAoA but hopefully this means with the next statements closing more of the accounts may reappear.
