Just got a +41 pt. jump in EQ. Not sure why?

[Ned505]

This was in the alert message.  Can you tell me whay this is so positive?

Thanks!

	Previously reported	Newly reported
Balance:	$3,412	$3,336
Past due:	$0	$0
Status:	Pays account as agreed	Pays account as agreed
Last activity:	2/1/2010	3/1/2010
Description:	Account closed at consumer s request Arrangements made with credit grantor to make partial payments Amount in H/C column is credit limit	Account closed at consumer s request Charge Amount in H/C column is credit limit

[mauve]

Perhaps the deletion of the "partial payments" comment?

[Anonymous]

The removal of the "Arrangements made with credit grantor to make partial payments" comments was removed. As strange as it is that will make the difference. Plus the balance dropped $76. May be small but the helps your overall utilization.

[Anonymous]

Holy moly, that's a wonderful jump.  Congrats on your success!

[Anonymous]

I have an account on my report that has the same lanuage, how did you get them to change it? I'd like to do the same thing. Does anyone know the answer to this?

[Ned505]

This account was from a Big Box Store account that I had to give up on in Late 2007 and early 2008.  After not paying for a while I dug my heels in and said I was not going to pay 21% interest to re-age and  keep the account current.  After several "I can't help you" answers I eventually got a 9.9% rate and I have made those payments faithfully for over 18 months now.

I think they will want be back eventually.  As a customer and not a case number. 

Nothing speaks as loud as  18 months of on-time payment.  Maybe that is a policy they have.  I do not know but am glad for the result. 

My question still remains.  How does that change in language fit into the algorithm of credit scoring.