Crazy EQ Jump, error?

[IntegerIntrovert]

Hi!  Here is a crazy thing, my score jumped from 645 to 823 with the only alert showing a balance decrease of $75 on an account I don't have.  It shows a BofA account decreasing $75 but I don't have any accounts now or ever with BofA.  TU/EQ no change. 

Thoughts?

[Anonymous]

What do you mean "No TU/EQ change... Crazy EQ Jump"?

You're probably checking CreditKarma? 

Check your credit reports for changes, probably added as an authorized user?

[Slabenstein]

Have you compared your EQ reports before and after the change?  One thing that occurs to me w/ such a large jump on only one bureau and an alert for an account you don't recognize is a merged file.

[Anonymous]

Did you drop any derogatories?

[IntegerIntrovert]

I'm a my FICO subscriber. No derogs dropped. I haven't been able to compare because my new report isn't available until next week. 

[Anonymous]

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@IntegerIntrovert wrote:

No derogs dropped. I haven't been able to compare because my new report isn't available until next week. 

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If you haven't been able to see your report, how would you know that no derogs dropped?

[Anonymous]

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@Anonymous wrote:

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@IntegerIntrovert wrote:

No derogs dropped. I haven't been able to compare because my new report isn't available until next week. 

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If you haven't been able to see your report, how would you know that no derogs dropped?

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Probably because OP got a score change notifocation with no reason attached and does does not have a new report to pull from myfico.

I would pull your report from annual credit report for free (no scores)

Edit: good point about not knowing if a derog dropped or not yet without a report

That is a big score change and I am not sure if even an AU account could change it that much. Seems strange.

[IntegerIntrovert]

I still have negative issues listed in myfico. But good point none the less. I'll have a new report before I can get one from annual credit report they always mail them and I can't get an online one for some reason. 

[Anonymous]

Why not go grab your EQ report for free from Credit Karma to see what changed in the meantime while waiting on your MF report.

[Slabenstein]

Can also get it from myEquifax, which is also where you can freeze your EQ.