Equifax credit file dropped 36 points and is missing everything?

[Anonymous]

Saturday my Equifax dropped 36 points.

When I look at the details it says

• No account activity
• No loan activity
• Ration of revolving balances to your credit limits 0%

Clearly this is wrong as I have credit card debt which is a mix of store and Visa/MC/Discover.  Not high debt but att least 20% of my utilization.

I have 3 car loans although newest one may not show yet.

I have recent activity on all my accounts (ensuring they don't get closed for inactivity).

Will this self rectify or is there something I can do?

[Anonymous]

@Anonymous Mine did the exact same thing. I got a 22 point Equifax drop on Saturday. Not a single thing in my file has changed on my reports.

• There is no recently reported activity on any of your non-mortgage credit accounts.
• You have no recent activity from a non-mortgage installment loan.

I know this is wrong because I actually made a $2,700 payment on my non-mortgage loan to get it under 8.9% util after it reported last month that is yet to update. I also have a reoccurring payment set up. 

I'm hoping this is an Equifax issue that is quickly fixed.

[CramEiko]

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@Anonymous wrote:

@Anonymous Mine did the exact same thing. I got a 22 point Equifax drop on Saturday. Not a single thing in my file has changed on my reports.

• There is no recently reported activity on any of your non-mortgage credit accounts.
• You have no recent activity from a non-mortgage installment loan.

I know this is wrong because I actually made a $2,700 payment on my non-mortgage loan to get it under 8.9% util after it reported last month that is yet to update. I also have a reoccurring payment set up. 

I'm hoping this is an Equifax issue that is quickly fixed.

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Just curious if it is Equifax you are seeing these drops or if it's from another source?

[voxombmx]

I received a 40pt drop in Equifax only for same reasons. Ran my 3B report and there is nothing reported on any account with Equifax. 

[OmarGB9]

I think EQ is having issues.

[Anonymous]

I have the MyFico Premier account and that's how I received the score update.

[M_Smart007]

"I'm hoping this is an Equifax issue that is quickly fixed."     ..

I would not hold your breath on anything quick with EQ.

[Anonymous]

I went to Equifax.com and got a free credit report and sure enough every single account has a NULL balance if there was a balance and $0 balance if it was $0

[Anonymous]

BTW I called MYFICO since I subscribe and they said they are aware of the problem it's definitely on the EQ side.

[Cinemagic]

I just read a post regarding missing accounts on Credit Karma and I too am "missing" (showing closed) about 400K woth of stuff on EQ in Credit Karma--- so my Vantage 3 score ( I think thats what it is went up by 54pts) so my question to you is did your drop happen here on my FICO or is it on one of the other FAKO/ Vantage score models???