My EQ is bulletproof. It budges for nothing or no one which is frustrating since it’s my lowest score. Maybe compare your files to one another to see what’s reporting differently?
Is it Inquiries or did you open things recently affecting your Age or any changes period that affected it?! A lot can change a score and without knowing what hurt it's going to be hard to see what can help but I agree if you have someone with a similar file I would compare notes. (if you trust them with your info) lol
That is possible as well as I have noticed some reports will show literally updates the next month and others take 2 to 3 months to play 'catch up'
@Anonymous wrote:It could potentially be due to inquiries as I recently had to finance a new car (July 5) but, when I had my credit pulled at the beginning of August for our mortgage, my EQ mortgage score was a 629. I had a 10 point increase between August 12 and September 12 to 639....but now, it's like I'm stuck there! I keep getting notifications that there was a balance change for Equifax but no score improvements in a while. I wonder if it takes a bit for the score to catch up....
@Girlzilla88hit it on the head. The new loan did you in with the new HP (Or HP's for auto) and a new account. Its going to have to rebound for a little while. Its best not to app for anything 6 months before apping for a home. So you basically answered your own concern. Sorry that happened. Try to get 1 card at 1% instead of 5%. May or may not work. Good Luck! Welcome to the fourms BTW!
It sounds like you tried the AZEO method which should give you the best possible MTG at a point in time, granted all other things remain the same.
If you paid down all CC with the exception of one and that one is 5% or less and there were more cards reporting a balance prior to this pay down, the only thing I can think of is if the one card that reported a balance was a charge card instead of a bank CC, which makes a difference. In addition, are you sure all of you pay downs have reported so that your current report shows only the one (hopefully bank CC) with a balance?
If you're waiting on alerts to know, then alerts are not always timely. They can be very delayed. It may be worth it to pull your 3B report to check your MTG scores if this is a time sensitive issue. A credit pull or two during the MTG process is often worth the cost.
I paid down all of my cards to under 5% except for 1 (cap one CC). Sorry, I wasn't that clear.
Two days ago I pulled the 3B report for Equifax and it was still a 639. My SO gets his next update on 10/23 so I may pull mine again that day. About an hour ago I got Equifax notifications for 2 of my paydowns so maybe by then there will be improvement? Fingers tightly crossed!!! Thanks for your reply 
Notifications are a good sign for sure 