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Has anyone lost extra points for all accounts with balances?

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Anonymous
Not applicable

Has anyone lost extra points for all accounts with balances?

I know the 50% of open accounts with balances for some, but what about 100% of open accounts reporting balances?

Had this affected anyone negatively? Thanks
Message 1 of 8
7 REPLIES 7
smallfry
Senior Contributor

Re: Has anyone lost extra points for all accounts with balances?

No but I get the feeling we're about to find out? pizza you missed your calling. You should be a food tester for a Central American dictator. Smiley Happy
Message 2 of 8
fused
Moderator Emeritus

Re: Has anyone lost extra points for all accounts with balances?

Smiley Very Happy
Message 3 of 8
BGMWPD320
Regular Contributor

Re: Has anyone lost extra points for all accounts with balances?

I gained 12 points when I went from 6 accounts with balances (which is all of my accounts) to 4 accounts with balances.
Message 4 of 8
fused
Moderator Emeritus

Re: Has anyone lost extra points for all accounts with balances?



BGMWPD320 wrote:
I gained 12 points when I went from 6 accounts with balances (which is all of my accounts) to 4 accounts with balances.


Was this TU?
Message 5 of 8
BGMWPD320
Regular Contributor

Re: Has anyone lost extra points for all accounts with balances?

It was EQ.
 
I just gained a total of 74 points from TU for having my Chase late removed.
Message 6 of 8
haulingthescoreup
Moderator Emerita

Re: Has anyone lost extra points for all accounts with balances?


@Anonymous wrote:
I know the 50% of open accounts with balances for some, but what about 100% of open accounts reporting balances?

Had this affected anyone negatively? Thanks


DH just lost 20 points on TU alone for letting 2 of three CC's post with balances. TU said his util was too high, and then showed his util as 1%, LOL.

Would you like for me to let Discover report, too, and see what might happen? He doesn't care about his precious 800+ scores, so it could be a fun experiment. The only other open account he has is the mortgage (with a nice balance), plus some sort of line of credit from 2001 that shows as inactive.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 7 of 8
Anonymous
Not applicable

Re: Has anyone lost extra points for all accounts with balances?

An error in card rotation has me with a high number of accounts with balances -  PLUS just having 4 SL's close
 
So my ratio of balances to open accounts is very high now-
 
IMO- You only get dinged once for too many accounts with balances.
Message 8 of 8
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