Fico 5 22 points drop for $447 balance????

[AzCreditGuy]

TU Fico 4 786 with a $421 balance 

EX Fico 2 793 with a $481 balance 

EQ Fico 753 with a $447 Balance 

Seems like a steep drop , I took a recent trip and put some items like hotel, rental on some cards that will be paid off this month.  Most cards were at $0 to $20 balance and never had ongoing balances. EQ seems to be my lowest score in all Ficos, unsure why?

 

[pizzadude]

What is the approx utilization percentage on this card, and your other cards, versus last month?  

[AzCreditGuy]

---

@pizzadude wrote:

What is the approx utilization percentage on this card, and your other cards, versus last month?  

---

That doesnt matter as they are all the same.....last month I was at 0% overall and have $85k CL , across my cards and I am prob now at .005% overall in debt, that $400 something is spread among 3 cards and not on one and those cards have a UTI of less than 1% or not even close to 1%. 

[pizzadude]

---

@AzCreditGuy wrote:

---

@pizzadude wrote:

What is the approx utilization percentage on this card, and your other cards, versus last month?  

---

That doesnt matter as they are all the same.....last month I was at 0% overall and have $85k CL , across my cards and I am prob now at .005% overall in debt, that $400 something is spread among 3 cards and not on one and those cards have a UTI of less than 1% or not even close to 1%. 

---

How many of your cards are reporting balances?  3 out of how many ?  It could be this, the number of cards with balances. 

[SouthJamaica]

---

@AzCreditGuy wrote:

TU Fico 4 786 with a $421 balance 

EX Fico 2 793 with a $481 balance 

EQ Fico 753 with a $447 Balance 

Seems like a steep drop , I took a recent trip and put some items like hotel, rental on some cards that will be paid off this month.  Most cards were at $0 to $20 balance and never had ongoing balances. EQ seems to be my lowest score in all Ficos, unsure why?

 

---

We would need more information to tell you what the reason was for the point drop. All revolving accounts, limits, and reported current balances, before and after the point drop.

[AzCreditGuy]

This was in Nov 23rd when my scores were pulled

B a A $18 of $13k being used

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $26 of $11.3k being used

This was Dec 8 when when my scores were pulled

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $25 of $11.3k being used

US bank $67 of $18k being used

Funny thing is my Fico 8 went up 6 pts on Dec 3rd?

[Curious_George2]

This isn't an answer to your main question, but I strongly suspect the reason your EQ scores lag the others is the CFA(s) on your file. I have the same situation. My EQ5 consistently runs 10-30 points below the other mortgage scores and I get that same CFA reason as you, but only on EQ. EX and TU either don't see a CFA or don't punish me much for it.

[AzCreditGuy]

---

@Curious_George2 wrote:

This isn't an answer to your main question, but I strongly suspect the reason your EQ scores lag the others is the CFA(s) on your file. I have the same situation. My EQ5 consistently runs 10-30 points below the other mortgage scores and I get that same CFA reason as you, but only on EQ. EX and TU either don't see a CFA or don't punish me much for it.

---

The CFA is on my EX and TU as well...I understand that the CFA does drag down my scores, how much? No one knows...

[SouthJamaica]

---

@AzCreditGuy wrote:

This was in Nov 23rd when my scores were pulled

B a A $18 of $13k being used

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $26 of $11.3k being used

This was Dec 8 when when my scores were pulled

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $25 of $11.3k being used

US bank $67 of $18k being used

Funny thing is my Fico 8 went up 6 pts on Dec 3rd?

---

If these are what you had reporting before the score drop:

B a A $18 of $13k being used

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $26 of $11.3k being used

and these are what you had reporting after the score drop:

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $25 of $11.3k being used

US bank $67 of $18k being used

There is nothing in there that would have caused a score drop, let alone a drop of 22 points. 

[AzCreditGuy]

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

This was in Nov 23rd when my scores were pulled

B a A $18 of $13k being used

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $26 of $11.3k being used

This was Dec 8 when when my scores were pulled

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $25 of $11.3k being used

US bank $67 of $18k being used

Funny thing is my Fico 8 went up 6 pts on Dec 3rd?

---

If these are what you had reporting before the score drop:

B a A $18 of $13k being used

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $26 of $11.3k being used

and these are what you had reporting after the score drop:

Cap1 $69 of $7k being used

Dis $168 of $7.5k being used

Dis (Auth) $76 of $13.8k being used

Chase (Auth) $25 of $11.3k being used

US bank $67 of $18k being used

There is nothing in there that would have caused a score drop, let alone a drop of 22 points. 

I think what happened is credit.com is showing me what happened when I paid off my loan from the last time I had a membership. As I started to notice the drops all 3 as well.... 30 pts on EX 25 on TU....So I mistook the drops as recent

---