So here is my EQ score 6 days ago. I paid down the only card reporting a balance from 64% down to 4%. Knowing it would report first of the month, I checked the EQ simulator to see where I should be. Note, the same day this CC reports, 2 installment loans report as well. Both paid on time.
I went from a 615 score. Estimated to be anywhere from 625 to 665.
To this whopping improvement of 618!
Seriously!?!?! Not even the 10 point increase on the lowest possible scenario?
I ran a new myfico report this morning as the card reported the new balance overnight. The score i from here, not a FAKO.
Did you look at the full EQ report to see if it was actually showing your new cc and loan balances yet? In my experience EX has always been the fastest to update (usually same- or next-day), then TU, and EQ is the last - sometimes a full business week after the others.
If the report is showing the payments you made, then I'd be scratching my head too - but going from 64% to single-digit util should definitely be a good bump, so I'm thinking EQ may not actually be showing your good work yet. Hope you get a bigger bump soon!
Starting score 3/30/13: 570s across the board