I've never gotten red flag for new account. Does that happen to everyone? My new account is 7 months old. I had lost point for inquiry and got it back the next month as one fell off. I'll be waiting for the one year info from you.
@Anonymous wrote:
I've never gotten red flag for new account. Does that happen to everyone? My new account is 7 months old. I had lost point for inquiry and got it back the next month as one fell off. I'll be waiting for the one year info from you.
For many people, just getting one new account isn't a bad thing. You acquire a flag when you go berserk.
This test got slightly messed up. Discover caught us off guard by reporting to her CR 2 weeks early and now she is showing a slightly higher UTL than before. Might have to wait another month to get UTL exactly the same for a definite answer. 
But lets see what happens next week. Just waiting on a Score Watch update. Account is now 1 year old.
Because of this UTL change these are the possibilities.
A. Score gain means UTL did not affect score, however points gained were from account aging 1 year. (Definite answer)
B. Score drop means UTL did affect score negatively, account aging 1 year did not bring up the score. (Definite answer if score change = what I think it is)
(If score is other than what I think it is then we must wait until next month)
C. No change in score means score dropped for higher UTL, Score increased for account aging 1 year. (Must wait until next month)
D. No change in score means UTL did not drop score, Account aging did not increase score. (Must wait until next month)
-----------------------------------------------------------
So A. gives us a sure answer, B. gives us a sure to maybe and C. and D. make us wait another month. I did my best to get UTL reporting with the few days we had to charge and make payments. There wasn't enough time. But we have a 50% chance of getting an answer next week.
Message Edited by ilovepizza on 07-30-2008 03:49 AM
But lets see what happens next week. Just waiting on a Score Watch update. Account is now 1 year old.Because of this UTL change these are the possibilities.
A. Score gain means UTL did not affect score, however points gained were from account aging 1 year. (Definite answer)
B. Score drop means UTL did affect score negatively, account aging 1 year did not bring up the score. (Definite answer if score change = what I think it is)
(If score is other than what I think it is then we must wait until next month)
C. No change in score means score dropped for higher UTL, Score increased for account aging 1 year. (Must wait until next month)
D. No change in score means UTL did not drop score, Account aging did not increase score. (Must wait until next month)
-----------------------------------------------------------
So A. gives us a sure answer, B. gives us a sure to maybe and C. and D. make us wait another month. I did my best to get UTL reporting with the few days we had to charge and make payments. There wasn't enough time. But we have a 50% chance of getting an answer next week.
Message Edited by ilovepizza on 07-30-2008 03:49 AM
@Anonymous wrote:
just had mortgage reach one year. (only new account i've had in a few years) EQ went up 27 to 778 i can only imagine this got me in a different bucket, otherwise what the hell is EQ doing.
EQ is diligently working on their beautiful website and not much else.