One way to test is go from 3/6 to 2/6. If you regain your 15 points, you'll know based on your score card, it was 50% of accounts reporting a balance.
@blindambition wrote:
@Anonymous wrote:
@AllZero wrote:
@blindambition wrote:
@AllZero wrote:
@blindambition wrote:I think they got penalized for more than 50% of cards reporting.
I thought so too. I had to refresh my memory with BBS's testing.
A couple times showed profile specific. Other than that, OP needs to comb line by line.
@Anonymous. Where you reporting 3 of 5 revolvers for last month and the month prior? What about your charge card? Look for the small details.
Ok so I looked at balances reported on or before January 22nd because that was the last day I saw a 759 score. The WF Propel had a $0 balance reported, while the CFU and RedCard had a balances within a few dollars of the previously mentioned balances.
I bet it's that WF reporting. You still have a fairly thin file.
You may be right. Detective caps on. Can't wait for the next reporting cycle to happen.
ETA. Counting revolvers only. It was 2/5. You went 3/5, correct?
Try 2/5 revolvers for the next earliest reporting cycle.
@Anonymous wrote:
@blindambition wrote:I'd say that's definitely it. If you had six revolvers, might not have happened. You were hit for over 50%.
I'll reduce it to two as most of my billing cycles are coming up and see what happens. I've been waiting to apply for the CSP so that will make any changes unclear but I was unaware of this 50% rule.
IIRC, if it matters, whenever you pay Chase to zero, they will automatically report.