EX score drops when other two go up. what gives?

[Anonymous]

I pulled my fico scores on 1.31.09 they were as follows:

EX:677 EQ:673 TU:674. Then I pulled them again yesterday because I opened some bank accounts (hard pulls),, and I payed down my uti, and I wanted to see what the effect was. Now the scores are as follows EX:647  EQ:689 TU:684. I compared the two reports and they were the same. Can anyone offer some help. Any answer would be greatly appreciated.

[Scamp]

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motiv8ed wrote:

I pulled my fico scores on 1.31.09 they were as follows:

EX:677 EQ:673 TU:674. Then I pulled them again yesterday because I opened some bank accounts (hard pulls),, and I payed down my uti, and I wanted to see what the effect was. Now the scores are as follows EX:647  EQ:689 TU:684. I compared the two reports and they were the same. Can anyone offer some help. Any answer would be greatly appreciated.

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Which CR(s) were the hard inqs done on? 

What kinds of accounts did you open?

[Anonymous]

I opened a BoA checking (pulled EQ), and I opened a wachovia checking( pulled TU)

[Anonymous]

I think I see what happened. There is a rooms to go account that was a charge off. on the other report it says charged off as bad debt. On this report in says 180 days past due. when i open it up it say closed by credit grantor. Could that be it? and if so what should I do

[llecs]

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motiv8ed wrote:
I think I see what happened. There is a rooms to go account that was a charge off. on the other report it says charged off as bad debt. On this report in says 180 days past due. when i open it up it say closed by credit grantor. Could that be it? and if so what should I do

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If there's not an associated CA reporting, then I'd offer a PFD to Rooms to Go for deletion. Or if paid in full already, then a GW for deletion. I once had a CO or CA that switched back and forth between "CO/Collection" and "120 days past due" every 20-30 days, resulting in a swing of 20 or so points every time it changed. "120 days" was much worse for me.