@Anonymous wrote:So last week I closed a Synchrony credit account (AJ Madison) because the card was no longer useful; for the simple fact that AJ Madison had ended their relationship with Synchrony and they no longer accepted the card, it was orphaned. It was a 2-year-old account, with a zero balance since last November, and a $6800 CL.
Other notables:
Total CL across all open accounts over $90k, with between 1-2% total utilization
Thick file, credit history 22 years, AAoA a tad over 9 years
All revolving accounts in good standing, most with zero balance
Mortgage (1st and 2nd), car loan...all in good standing
No baddies
Still have 4 other Synchrony accounts
So when the account closing hit EQ, there was no change in score at all; but when it hit EX the next day, that score went from 808 to 785 - a 23 point drop. WHAAAT??? Help me out here, because I'm flummoxed!
Where are you getting your EX reports? Do you get more than just the score?
I keep tabs on my credit factors through CCT(Credit Check Total). If my score has changed then I can look at the credit factors and compare them with previous reports.
With your long credit history, excellent credit mix, and low CC utilization I would think you could withstand an atomic attack.
I think I would call EX and see if they can explain it. You might have to elevate your call to the supervisor level.