Equifax Screwing Me Over?

[Anonymous]

So I have the feeling im getting screwed by Equifax. I have an account with a zero balance that had a credit limit increase from $300 to $1000. I used $500 of that a week ago and I just got a score watch notification from MyFico that my Equifax score dropped 36 points because I utilized 100% of my car limit! Funny thing is also just got a notification for Transunion and Experian that both say I have a $500 balance with only 50% utilization. Whats even funnier than that is they both gave me a 5 point score increase from my previous scores putting me in the 720 range for both EXCEPT Equifax. Anyone know why? It's pissing me off because my score went from a 696 to 665 because it reports that ive used 100% of my USAA card which is totally false.

Just an FYI about 2 hours ago I called to dispute that the info is incorrect on my report and they told me that MyFico is a 3rd Party company and doesnt reflect accurate information. They said my report shows I have a $1000 limit in their system but my score is different in their system and I could buy it form them for 17.99 blah blah blah.....

I don't understand why on earth is MyFico saying Im using 100% of my limit I have 5 cards all zero ballance except the USAA card.

[Anonymous]

MyFico reports only what the CRAs report to them. It appears that what has happened is that EQ reported the balance before reporting the credit line increase. That will self-correct.

[superj]

+1

That is what i was trying to tell you earlier...i think the credit limit increase didn't hit quick enough to your report on Equifax like the other two CRAs..

[NRB525]

So, OP, you should let us know on this thread the result of the next EQ update. Hopefully it is good news!