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Is EQ removing AU's from CR?

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Valued Contributor

Re: Is EQ removing AU's from CR?

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.







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 21 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?


@Birdman7 wrote:
Iv Hey I got a question about those LN codes. Retail cards are adverse and high credit limits on retail accounts are adverse. 

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?


"My Take Home Pay Don't Take Me Home"

Personal Credit: Synovus Tloc/Venture/Savor/Chrome gas&restaurant/Chrome Cashback/GoodSamsVisa/CareCredit/Lowes/HomeDepot
Business Credit: AmazonNet55/Amex Lowes/Dell/LowesPro/Staples/Spark
Inquiries: 9EXP, 4TU, 5EQ (most fall off by Nov 2021)
Scores: EXP714, TU737, EQ735
Message 22 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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.







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 23 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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


"My Take Home Pay Don't Take Me Home"

Personal Credit: Synovus Tloc/Venture/Savor/Chrome gas&restaurant/Chrome Cashback/GoodSamsVisa/CareCredit/Lowes/HomeDepot
Business Credit: AmazonNet55/Amex Lowes/Dell/LowesPro/Staples/Spark
Inquiries: 9EXP, 4TU, 5EQ (most fall off by Nov 2021)
Scores: EXP714, TU737, EQ735
Message 24 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 25 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 26 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?


@Birdman7 wrote:
Think of it this way, losing the new account (since it was new) benefits you from the insurance score perspective.

Well there ya go!  Lemons to LemonadeSmiley Wink


"My Take Home Pay Don't Take Me Home"

Personal Credit: Synovus Tloc/Venture/Savor/Chrome gas&restaurant/Chrome Cashback/GoodSamsVisa/CareCredit/Lowes/HomeDepot
Business Credit: AmazonNet55/Amex Lowes/Dell/LowesPro/Staples/Spark
Inquiries: 9EXP, 4TU, 5EQ (most fall off by Nov 2021)
Scores: EXP714, TU737, EQ735
Message 27 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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


"My Take Home Pay Don't Take Me Home"

Personal Credit: Synovus Tloc/Venture/Savor/Chrome gas&restaurant/Chrome Cashback/GoodSamsVisa/CareCredit/Lowes/HomeDepot
Business Credit: AmazonNet55/Amex Lowes/Dell/LowesPro/Staples/Spark
Inquiries: 9EXP, 4TU, 5EQ (most fall off by Nov 2021)
Scores: EXP714, TU737, EQ735
Message 28 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?

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







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 29 of 34
Valued Contributor

Re: Is EQ removing AU's from CR?


@Birdman7 wrote:
Can’t win everything at least that wears off in 365 days!😉

Keeping me Grounded!  High five


"My Take Home Pay Don't Take Me Home"

Personal Credit: Synovus Tloc/Venture/Savor/Chrome gas&restaurant/Chrome Cashback/GoodSamsVisa/CareCredit/Lowes/HomeDepot
Business Credit: AmazonNet55/Amex Lowes/Dell/LowesPro/Staples/Spark
Inquiries: 9EXP, 4TU, 5EQ (most fall off by Nov 2021)
Scores: EXP714, TU737, EQ735
Message 30 of 34
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