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nfcu reports $ 0 bal & 100% usage on EQ & TU

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Valued Contributor

nfcu reports $ 0 bal & 100% usage on EQ & TU

I find this very odd, my cloc show as below on all my EQ/TU reports but normal on EX.  can somebody please verify and post there EQ as an example if it looks normal so I can address this with them.  pretty please.  not trying to beat a dead horse, just want it to be correct.

thank you.

 

121519 KMF MYFICO.PNG

Message 1 of 18
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Valued Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

Yeah - obviously it shouldn't report 100% util with $0 usage. Mine reports correctly as 0% util and $0 balance.

What service are you using to view your reports? Can you check another source to confirm it's an NFCU reporting issue and not a software glitch within whatever report viewing service you are using?
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 05/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 04/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.1 years not incl. AU / 3.5 years incl. AU
My AoOA: 7.3 years not incl. AU / 9.3 years incl. AU
Inquiries: EX 1/6 | 1/12 ✦ EQ 1/6 | 1/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 18
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Valued Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

Hi, thx .. I used experian, I just use the free trials they toss @ me monthly.  I am looking at 4 months and all 4 on EQ & TU report 100% and EX is normal.  not sure its treating it as a negative, I would think I would see it in read somewhere if that was the case.  credit karma looks normal.  I just like for things to look proper, I am funny that way

Message 3 of 18
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Super Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

The only data that matters is the data that comes from your hard copy report. I highly doubt that it's anything more than a glitch. I have seen your score and your score would not be that high if you maxed a revolving account. The fact that it shows normal on Credit Karma tells me it's an Experian issue. 




Message 4 of 18
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Super Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU


@Saeren wrote:

The only data that matters is the data that comes from your hard copy report. I highly doubt that it's anything more than a glitch. I have seen your score and your score would not be that high if you maxed a revolving account. The fact that it shows normal on Credit Karma tells me it's an Experian issue. 


^  What he said.  



11/27/20 Mortgage scores: EX2 758, EQ5 726, TU4 no idea.
11/01/20 Fico 8: EX 754, EQ 752, TU 765.
11/04/20 Fico 9: EX 713, EQ 720, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 5 of 18
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Super Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

So I always forget I have a CLOC with NFCU but I checked and mine does indeed report the same way on Experian's site. Definitely a glitch.




Message 6 of 18
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Valued Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

sorry I dont catch your meaning...my EX is fine, $ 0 bal and 0 % util.  my TU & EQ are $ 0 bal and 100% util.  I find it hard to believe that 2 out of 3 have an issue.  thoughts?

Message 7 of 18
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Super Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU

Experian summary page - glitchy
Experian detail view - not glitchy.

Go print your detail view to be enlightened.
Message 8 of 18
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Super Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU


@bourgogne wrote:

sorry I dont catch your meaning...my EX is fine, $ 0 bal and 0 % util.  my TU & EQ are $ 0 bal and 100% util.  I find it hard to believe that 2 out of 3 have an issue.  thoughts?


EX is reporting my CLOC at $0 balance and 100% util on TU and EQ just like yours.

 

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Message 9 of 18
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Valued Contributor

Re: nfcu reports $ 0 bal & 100% usage on EQ & TU


@AllZero wrote:
Experian summary page - glitchy
Experian detail view - not glitchy.

Go print your detail view to be enlightened.

you lost me, my EX is the one that is working.  EQ and TU are not.  next?

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