Gotta Luv Equifax

[smallfry]

Dropped my paid up mortgage six months early tanking my Equifax FICO 10 points. Don't think it had anything to do with me canceling Score Watch today do you?

[RobertEG]

LOL!

As far as I know, there is no data field in your credit file for cancellation of ScoreWatch!

funny!

[GFer]

"Don't think it had anything to do with me canceling Score Watch today do you?"

YEahhh....I'm sure it did!

[smallfry]

I don't know what effect it had on credit mix but it was my oldest account I had listed on my EQ report. They took it upon themselves to remove a Sears account as well that both TU and EX still report. In addition to all this they refuse to remove a child support account which is not to supposed to report.

People complain about Experian being tough but at least they have been fair with me. EQ just flat out socks.

[haulingthescoreup]

I'd call your mortgage company and ask them to resubmit!

I had an old account fall off early on EQ, and I was all prepared to call up and complain when I realized that my score went up. There had been a late on it, amazingly enough. So I tiptoed away.

For those not aware of this, EQ sometimes has trouble hanging on to closed accounts if you have lots of soft inqs. I thought they had fixed this, but apparently not.

Sorry to read this, smallfry. I know you haven't got a lot of old credit to spare in the first place.

[smallfry]

HTSU my oldest reporting account with EQ is now 8 years. TU and EX is 12 years. Basically after 14 months of rebuilding going from 57% utilization and 12K available credit with a 682 EQ FICO I am now sitting here with 130K available 1% utilization and a 696 EQ score. Life in the big city huh?

The mortgage company is long gone. My original account was sold to a company that operates a chain of laundromats I think. LOL.

[Anonymous]

Good luck with this-

Been trying to have an account re-inserted for nearly a year.

and the Company DID re-sumbit.

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haulingthescoreup wrote:
I'd call your mortgage company and ask them to resubmit!

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[MidnightVoice]

haulingthescoreup wrote:

For those not aware of this, EQ sometimes has trouble hanging on to closed accounts if you have lots of soft inqs. I thought they had fixed this, but apparently not.

Is it also related to the total number of accounts?  None of my old accounts have fropped of EQ early - and I know I have two due to drop in a month or two, and they are still there

[smallfry]

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@MidnightVoice wrote:

@haulingthescoreup wrote:

For those not aware of this, EQ sometimes has trouble hanging on to closed accounts if you have lots of soft inqs. I thought they had fixed this, but apparently not.

Is it also related to the total number of accounts? None of my old accounts have fropped of EQ early - and I know I have two due to drop in a month or two, and they are still there

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MV most of the old accounts have hung on but there are 4 now gone missing well ahead of time. Sears by 4 years. Drops off EX 2011 left my EQ in 2007.

[MidnightVoice]

smallfry wrote:

MV most of the old accounts have hung on but there are 4 now gone missing well ahead of time. Sears by 4 years. Drops off EX 2011 left my EQ in 2007.

Is your total number accounts in the 20's, 30's or higher?