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Really equifax, really..?

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Regular Contributor

Really equifax, really..?

Equifax must be really sensitive. So as usual I allow only one account to show a balance of below 10% each month. Well all mine did this, but by accident I charged $20 to my Barclays card a few days after I paid it off in full. It reported a $20 balance. In turn equifax dropped only its score 3 points saying your account increased by 100%.

I'm not worried about the 3 point decrease, but really? It was like 2% utilization of that card... I thought it was strange tho because when I allow my capital one cards report it says your balance has increased by 1000-1100% with no decrease at all.

They must be really sensitive in general. Any ways lesson learned. They shall see no future balances from me remaining. Just thought this was very odd.
Current (8/2015): Equifax 688, Transunion 689, Experian 708
Goal Scores: 700 across the board

Capital One Venture: $5500| Discover it: $4500| American Express Green Card: NPSL| Capital One- QuickSilver: $3000| American Express Everyday Card: $2000| Bank of America- Americard Cash Rewards: $1500 | Barclays Cash Rewards: $1300| Chase Freedom:$1200| Barclays Apple Rewards: $2000
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Frequent Contributor

Re: Really equifax, really..?

Something is going on with Equifax. My score dropped 55 points in early April for no reason. My file has stayed the same and I have done nothing differently. It recently went up a hair. My TU and EX are all 55-60+ points higher. I pulled a report and nothing.

 

EQ Customer Care said some members are affected by a glitch, but it is glitching to when companies pull my credit. It says I have a 715 now when my EX/TU are 769 and 775 respectively. Crazy! 

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TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Message 2 of 6
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Regular Contributor

Re: Really equifax, really..?

That is crazy! Something is going on for sure
Current (8/2015): Equifax 688, Transunion 689, Experian 708
Goal Scores: 700 across the board

Capital One Venture: $5500| Discover it: $4500| American Express Green Card: NPSL| Capital One- QuickSilver: $3000| American Express Everyday Card: $2000| Bank of America- Americard Cash Rewards: $1500 | Barclays Cash Rewards: $1300| Chase Freedom:$1200| Barclays Apple Rewards: $2000
Message 3 of 6
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Valued Contributor

Re: Really equifax, really..?

equifax has alway been the most sensitive for me. Every little thing affects it. 

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
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Established Member

Re: Really equifax, really..?

Today, I received notification of a score change. I was excited because I felt sure it would be a nice increase since I paid off an old closed account and decreased my utilization from 80% to 30% on my largest CL card. To my surprise, my EQ score actually went DOWN 5 points. My FICO 8 Bankcard Score, as well as EX and TU had increases. 

Amex Delta Gold- Amex Premier Rewards- Discover IT -WF Cash Back Visa- Cap One Platinum- Cap One QS1 -US Bank Kroger Rewards Visa -Merrick Visa- Credit One Plat- Care Credit- Amex Optima-State Farm Visa
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Valued Member

Re: Really equifax, really..?

Equifax is also my lowest score...and I too just received an alert as to changes in accounts but no change to my current EQ CS...so who knows...

4/1/15- (myfico) TU 726, EQ 707, EX 714
Quicksilver MC - Discover IT - VentureOne - Chase Sapphire
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