An account that has been inactive for 4 months.....-23 score hit.
An account (GAP) that has been inactive for 4 months.....-23 EQ score hit. Please tell me this is a temporary hit. Took me to 19% util since I let it report. Guess I shouldn't have done that. It's been paid off but of course the zero bal. hasn't reported yet. Hope it will rebound.
Re: An account that has been inactive for 4 months.....-23 score hit.
Credit scores have short term memories when it comes to utilization. When that utilization comes back down your score will go back up, so don't sweat it.
Re: An account that has been inactive for 4 months.....-23 score hit.
More or less just treat it as a fluctuation. No need for concern if yiur know the balance it going right back down, due to lack of memory on utilization in the scoring.
Total CL: $321.7k
UTL: 2%
AAoA: 7.0yrs
Baddies: 0
Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping
