DW closed a BofA account that had been opened since 2008. I was an AU on the account. It took a while before the zero balance showed on the account but when it did show up as PIF I lost 17 EQ points and 18 TU points. It was closed with a balance for a month and then the next month it updated to show PIF. Nothing else has changed on my reports. I have 3% UTI across all three. It's not a big deal to me as I know the scores will rebound but I was surprised by the decrease.
FICO confuses me even though it seems so straightforward when people discuss it.
Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
