Hi all,
This is my first post but I have been reading all your advice on here for a long time. I am on my rebuilding journey and have several questions I couldn't find the answer to on other posts. First off, I signed up for myfico as of yesterday. MyFico is showing my Equifax FICO 8 at 599, which is showing a 15 point drop from last month. I come to realize after looking at my report that my Opensky credit card is showing a high balance, but Equifax is showing that it reported on 10/8. Now I know Opensky normally reports to CRAs at the end of the month, usually the last business day of the month. My Experian shows that Opensky reported on 9/29 when my balance was only $93. Why is Equifax showing that Opensky reported on 10/8, almost a week later? I also have CreditKarma, and on there my Equifax report is showing that Opensky reported my balance of $93 as well on 9/29. It's just my report from MyFico that shows a report date of 10/8 so I'm confused. I don't even know if I want to dispute this with Equifax, because it normally takes 30 days to resolve a dispute and by then my new balance will have updated anyways. I'm just bummed that I lost 15 points this month and got denied a credit card because of my "high balance" on my Opensky card. My overall utilization went from 17% to 41% because of this high balance. I did use my card after the reporting date because I had to buy a new phone though. Does anyone have any advice on this? How should I proceed?
