11 points drop in TU

chopperacn · ‎08-12-2009

Today my TU score dropped by 11 points because all but one CC(Chase) reported 0 balance.

The only cc with balance reports late.Do you know if it reports 4% util, will my score go back up by 11 points?

Is this normal scenario with TU?

haulingthescoreup · ‎08-12-2009

I can see losing 11 points if all reported $0, but you said that one did report a balance. So you do have one card showing a balance, or no? (Sorry, insufficient coffee so far.) And if anything, TU seems to be the CRA that least minds having all show $0.

How old are the lates?

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

chopperacn · ‎08-12-2009

Thanks Hauling.

As of today I have 4 CC's reporting 0 balance in TU.

Chase is the only CC with balance and it cuts the statement on 12th and generally it takes abt 2 to 3 days to update the CB's.

Also, I have two thirty day lates from Jan 2006.Those are my only baddies

bobtail · ‎08-12-2009

Must be TU month to dislike 0 bal. My orchard reported 0. EQ no change, TU dropped 8 points. In previous months, I let a balance of $10.00 report. CL 320

Hoping to get them back next month!

EQ 700 (two baddies)

TU 703 was 711 (one baddie)

EX fako 740 ( my two baddies do not report on EX)

baddies- paid judgment, paid mtg. reporting 120 days late