Confused

Anonymous · ‎11-20-2015

Lasty month I got an alert saying my EQ score went down due to 40% Utilization on one card. I went ahead and paid the balance to $0. I have another card I keep the balance on at around 4%. I get another alert yesterday saying that my EX score went down due to paying it to $0 and my EQ went up 9 points for paying it to zero. Why is it one CRA does one thing and another CRA does it different? Seems like I am damned either way I go? Anyone got an idea of what I need to do to keep both CRAs happy? Thanks

NRB525 · ‎11-20-2015

What are your scores, and what were the specific point values the scores changed with each update?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

SouthJamaica · ‎11-20-2015

@Anonymous wrote:
Lasty month I got an alert saying my EQ score went down due to 40% Utilization on one card. I went ahead and paid the balance to $0. I have another card I keep the balance on at around 4%. I get another alert yesterday saying that my EX score went down due to paying it to $0 and my EQ went up 9 points for paying it to zero. Why is it one CRA does one thing and another CRA does it different? Seems like I am damned either way I go? Anyone got an idea of what I need to do to keep both CRAs happy? Thanks

You're misreading the alerts. Just because the information and the score change are reported in the same alert does NOT mean that the information caused the score change. It may be entirely unrelated.