Hi there.
I am actually experiencing the same thing with my Experian report when I view it on Experian.com. Started like a month ago. Before, they would show UTI with AU accounts and another one without the AU accounts. Now they only show the UTI without the 2 open, Chase AU accounts I have.
I already had plans to close them and have them removed from my reports through Chase, to help my 5/24 in preparation for Chase app early next year when 2 of my accounts would age out but it's frustrating all the same since the cards have a combined limit of $9.8k with 0% balance on each one.
Wonder if this is a new FICO thing or just an aberration.
@Remedios wrote:Actually, EQ has removed AU accounts for some in the past
I think @K-in-Boston was one of them.
Once they are removed, they are not being taken into account. With EQ this has nothing to do with user interface.
The real mystery is what triggers removal.
Correct. I had to go back and find the thread I started in March 2018. It first began happening to me in November 2017 and is still going on with accounts reappearing and disappearing again. The thread has a lot more detail of what happened and timelines up to that point, but I'll try to summarize here. Unlike @GApeachy I was never removed from the accounts and am still an AU on all of them. They are all open, active accounts.
Not counting my work Amex Plat Biz (which doesn't show on EQ, EX, or TU), I am an AU on the following 8 cards. We share the same surname and address for years, and have several joint accounts (mortgages, auto loans, 1 joint CC) that always reported.
03/1994 Chase Freedom Unlimited $19,400
01/1995 Discover it $41,500
11/1996 Citi Best Buy $10,000
12/1999 Capital One Quicksilver $17,000
10/2001 Bank of America (an Alumni card) $99,900
04/2004 Citi Double Cash $31,600
03/2017 Amex EveryDay $50,000
11/2017 Chase Sapphire Preferred $27,000
Right now, only the Discover, CapOne, BOA, and Amex are showing on my EQ, with the 25+ year CFU missing, along with the Best Buy, Double Cash, and CSP. Every month, more disappear while others might come back. It's been happening for almost 2 years now, and while she is an AU on 10 of my open accounts, none have ever disappeared from her reports. At any given point there's $100k to just shy of $300k (when all disappear) of available revolving credit missing from my reports.
It used to cause havoc with my EQ scores when I had much higher overall utilization and was apping left and right for new cards. With util pretty much under control these days, there are no huge swings caused by the cards and EQ has been my highest for about 6 months now.
The interesting thing is that when all of those oldest cards disappear, the oldest open cards become Target and 3 of my Amex cards all opened in 2002 (I believe I still have 4 or 5 closed accounts with 2000/2001 dates on my reports, but all of my 90s cards have long since fallen off), but even with the slight AAoA ding and the more significant age of oldest account drop - my EQ scores actually go up when that happens. In fact, my all-time high score of 833 was on EQ a few months ago when ALL of the AU cards were missing. My estimation is that it's likely due to me having a thick profile for someone only showing 19 years of credit history still on my reports vs 25+.
