Is EQ removing AU's from CR?

[Anonymous]

Iv Hey I got a question about those LN codes. Retail cards are adverse and high credit limits on retail accounts are adverse. Do retail credit limits count in average credit limit? Because if they are, then doing a CLD to get a lower retail credit limit would hurt your overall average.

I didn’t even think about them using an SP until you mentioned SP.

[GApeachy]

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@Anonymous wrote:
Iv Hey I got a question about those LN codes. Retail cards are adverse and high credit limits on retail accounts are adverse. 

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I just got Care Credit, so does that mean my existing ins. auto rates could go up too?  Or is it just new auto ins. rates?

[Anonymous]

Doesn’t matter if the car is new or used, if they’re allowed to use the credit based insurance score, they will.

new credit, inquiries, and retail cards all count against you and lower your credit based insurance score.

[GApeachy]

So not only has Eq removed my open AU accts. from my report they also removed my newly closed HSN acct. It was a 10 month old acct. I closed 2 months ago.  So I lost the history, pymt history....they should remove the inquiry.  All it does is makes it look like I applied for the tl and didn't get it.  It was a 6k limit too.  sux

[Anonymous]

I’m sorry to hear you’re going through that.

[Anonymous]

Think of it this way, losing the new account (since it was new) benefits you from the insurance score perspective.

[GApeachy]

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@Anonymous wrote:
Think of it this way, losing the new account (since it was new) benefits you from the insurance score perspective.

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Well there ya go!  Lemons to Lemonade

[GApeachy]

But I'm still mad I took a hp with nothing to show for it.

[Anonymous]

Can’t win everything at least that wears off in 365 days!😉

[GApeachy]

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@Anonymous wrote:
Can’t win everything at least that wears off in 365 days!😉

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Keeping me Grounded!  High five