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Checked my score today, and well. See the image below. Not sure why it's showing negatives. What's it all mean?! Another oddity is the +29 points to the right of my score. My score itself hasn't flucuated from what you see +/- 29 points at all. Ideas? I did open a new card back in mid august that hasn't shown up on my report yet... Amex BCP w/ $8,000 CL.
@Jervo007 wrote:Checked my score today, and well. See the image below. Not sure why it's showing negatives. What's it all mean?! Another oddity is the +29 points to the right of my score. My score itself hasn't flucuated from what you see +/- 29 points at all. Ideas? I did open a new card back in mid august that hasn't shown up on my report yet... Amex BCP w/ $8,000 CL.
Was your overall debt higher at some point prior to this recent update? The negative values indicate a net change in balances and the utilization percentage from what I can infer on your screenshot.
I paid off about $3,800 down on a card I used for vacation, but that was back in August. I've just never seen these precentages before. I've been sitting at 4% utilzation for over a month. Maybe the've added in some new metrics. I'll just keep an eye on it.
Thanks!
On my Experian report, there's a link, "See what's changed." This provides a breakdown from the previous month.
Part of it could be the 17% to 4% overall util. You passed the 8.99% threshold.
Usually Experian only shows these values on the day that my score changes, but now it is showing every day and indicating the score gain or loss from the last time my score was different and the diferences in balance and utilization. So looks like it was an update where they show these changes every time and not just when your score actually changes.