Overstock Closed - Score Plumits

[Anonymous]

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@baller4life wrote:
Ok so what is that report showing your util to be since $36k hasn't reported?

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I pulled a report a couple weeks ago and it was 4%

[baller4life]

That is freaking incredible!!!

[Anonymous]

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@IgnatiusReilly wrote:
How many inqs were associated with your new TLs and how did that affect your AAoA?

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1 inq on this report and my AAoA is just over 4.5 years.

[IgnatiusReilly]

Hmmmmm. I think there is something else going on here. Keep us posted.

[taxi818]

First of all. The 3 b. Will give any excuse for drop or raise in score. Take that will grain of salt. But you better pull your actual report to see the real cause.  That is not normal. And either you maxed out something. Or you hot hit with a negative. But you can be sure. It's not from closing the card. 

Notice your eq is around same score. Appears at least 1 old negative on report with that score. You can't haea. 600 with no negatives. And goid utilization. Just not possible.  We all know how fico works. I'm barely in 700s on 2 reports vans I have a 5 year old negative paid in full. Utilization. Is 16 percent. 

[dobirdsmommy]

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@Anonymous wrote:
Thats pretty odd. I closed three accounts around the same time and there was no score decrease. Seems like there should be another explanation behind this.

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I will say I did close 3 accounts this past week of my comenity cards all closed no balances, My J.Crew line is now at less than 1% of the 5k and my score only went down 4points on Equifax.

[ojefferyo]

Wow that's crazy, I recently close one of my Barclay cards and it didn't have any effect. It just popped up as an account closed. 

[CreditCuriosity]

something else deffinetly going on.. Spend the 14$ and pull a report for science

[Anonymous]

I closed 3 accounts last month and lost very few points on EQ and TU and nothing on EX. Seems very odd. I would definitely pull a report. 

[TRC_WA]

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@taxi818 wrote:

First of all. The 3 b. Will give any excuse for drop or raise in score. Take that will grain of salt. But you better pull your actual report to see the real cause.  That is not normal. And either you maxed out something. Or you hot hit with a negative. But you can be sure. It's not from closing the card. 

Notice your eq is around same score. Appears at least 1 old negative on report with that score. You can't haea. 600 with no negatives. And goid utilization. Just not possible.  We all know how fico works. I'm barely in 700s on 2 reports vans I have a 5 year old negative paid in full. Utilization. Is 16 percent. 

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Agreed... something else is definitely doing on.

Even prior to this decrease the OP's EQ is/was how many points lower than EX and TU?  You don't get an 80 point differential without some kind of a baddie...