Reported more $ this month and taking beating from TU

[Anonymous]

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@dman23 wrote:

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@Anonymous wrote:

I've been reporting about $2k the past couple of months which is about 2% of my total CL. I decided to let my cards post and just sit back and PIF them. Well, I let over $4,300 post the past 2 weeks and now 4%, plus two INQs. My TU score has tumbled from 810 to 796 today and EQ went down to 789 from 792. EX has stayed at 792 surprisingly. This week I cleaned it all back down to about $2k again, and by the time they all report again should be reporting about $1,500. I'm curious if the TU score will jump back up again or not. I guess jumping from 2% to 4% makes them really nervous. My HD card reported a $6k CLI too and that didn't help either.

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I lost 25 points when I accidentally paid in full my three credit cards. I usually leave one card with a balance and a 4% credit utilization ratio. The following month I regained 21 of the 25 point loss when I left the one card with a balance and a 4% cu. The following month I regained all I lost, plus one point.

I would expect you'll regain the points lost, if any, from the affects of going from 2% to 4%.

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That makes a lot of sense doesn't it? It's like how dare you PIF on us.

[Thomas_Thumb]

FYI - reporting zero balance on all cards is a trigger in models => person not showing use of avaliable credit - certainly no need for more; drop score.  This is another point in time calculation without "memory".

Utilization % and # or % of cards reporting also have no lingering effect. Best not to get heartburn over point in time shifts as they are completely under your control. Excursions can be remedied the following month.

With respect to credit cards, key is to manage actions associated with factors that create a lingering effect such as hard inquiries (5 to 15 point impact) and late payments (large impact). 

[NRB525]

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@Anonymous wrote:

I've been reporting about $2k the past couple of months which is about 2% of my total CL. I decided to let my cards post and just sit back and PIF them. Well, I let over $4,300 post the past 2 weeks and now 4%, plus two INQs. My TU score has tumbled from 810 to 796 today and EQ went down to 789 from 792. EX has stayed at 792 surprisingly. This week I cleaned it all back down to about $2k again, and by the time they all report again should be reporting about $1,500. I'm curious if the TU score will jump back up again or not. I guess jumping from 2% to 4% makes them really nervous. My HD card reported a $6k CLI too and that didn't help either.

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That TU change is still not explained.

Which cards were reporting the 2% earlier, and what was the change in card count reporting any balances, in this recent time that led to the TU score drop?

Was there any new card app from the EQ INQ, or just a CLI HP? If a new card, did that card show up at all on your reports yet?

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:

I've been reporting about $2k the past couple of months which is about 2% of my total CL. I decided to let my cards post and just sit back and PIF them. Well, I let over $4,300 post the past 2 weeks and now 4%, plus two INQs. My TU score has tumbled from 810 to 796 today and EQ went down to 789 from 792. EX has stayed at 792 surprisingly. This week I cleaned it all back down to about $2k again, and by the time they all report again should be reporting about $1,500. I'm curious if the TU score will jump back up again or not. I guess jumping from 2% to 4% makes them really nervous. My HD card reported a $6k CLI too and that didn't help either.

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That TU change is still not explained.

Which cards were reporting the 2% earlier, and what was the change in card count reporting any balances, in this recent time that led to the TU score drop?

Was there any new card app from the EQ INQ, or just a CLI HP? If a new card, did that card show up at all on your reports yet?

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The two cards that have been making up the 2% UTL have been Home Depot and Discover with 0% APR. I let a few cards report this month that are all paid off now after they reported. The highest one that reported was the QS that reported $1,200, which I paid 2 days after it reported. There were a total of 5 cards that reported instead of the usual 2.

The HP was CLI for Home Depot, and the PayPal Credit which is a hidden line and new line for me.

[Thomas_Thumb]

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@Anonymous wrote:

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@NRB525 wrote:

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@Anonymous wrote:

I've been reporting about $2k the past couple of months which is about 2% of my total CL. I decided to let my cards post and just sit back and PIF them. Well, I let over $4,300 post the past 2 weeks and now 4%, plus two INQs. My TU score has tumbled from 810 to 796 today and EQ went down to 789 from 792. EX has stayed at 792 surprisingly. This week I cleaned it all back down to about $2k again, and by the time they all report again should be reporting about $1,500. I'm curious if the TU score will jump back up again or not. I guess jumping from 2% to 4% makes them really nervous. My HD card reported a $6k CLI too and that didn't help either.

---

That TU change is still not explained.

Which cards were reporting the 2% earlier, and what was the change in card count reporting any balances, in this recent time that led to the TU score drop?

Was there any new card app from the EQ INQ, or just a CLI HP? If a new card, did that card show up at all on your reports yet?

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The two cards that have been making up the 2% UTL have been Home Depot and Discover with 0% APR. I let a few cards report this month that are all paid off now after they reported. The highest one that reported was the QS that reported $1,200, which I paid 2 days after it reported. There were a total of 5 cards that reported instead of the usual 2.

The HP was CLI for Home Depot, and the PayPal Credit which is a hidden line and new line for me.

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The additional cards reporting has been known to drop score as reported by many posters. That certainly could account for this magnitude of drop. However, that ususlly shows as an impact across all CRAs.

[NRB525]

Ok, the 5 cards vs 2 is what caused TU to change.  The utilization may contribute a tiny amount to that, but bringing 3 cards on line is the leader.

Letting the 5 cards continue to report is the real test. Taking them down to 2, easy enough to show a bounce back. The real test is, what happens if the score gets used to the 5 at a similar utilization level?

[Anonymous]

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@NRB525 wrote:

Ok, the 5 cards vs 2 is what caused TU to change.  The utilization may contribute a tiny amount to that, but bringing 3 cards on line is the leader.

Letting the 5 cards continue to report is the real test. Taking them down to 2, easy enough to show a bounce back. The real test is, what happens if the score gets used to the 5 at a similar utilization level?

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I tend to agree it's the 5 cards that reported instead of the usual 2. Maybe I will allow the 2 with the balances on and maybe 1 more with a very small balance, or just report the usual 2 next time only and see if that turns the score back the other way and if so how quickly.

[NRB525]

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@Thomas_Thumb wrote:

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@Anonymous wrote:

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@NRB525 wrote:

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@Anonymous wrote:

I've been reporting about $2k the past couple of months which is about 2% of my total CL. I decided to let my cards post and just sit back and PIF them. Well, I let over $4,300 post the past 2 weeks and now 4%, plus two INQs. My TU score has tumbled from 810 to 796 today and EQ went down to 789 from 792. EX has stayed at 792 surprisingly. This week I cleaned it all back down to about $2k again, and by the time they all report again should be reporting about $1,500. I'm curious if the TU score will jump back up again or not. I guess jumping from 2% to 4% makes them really nervous. My HD card reported a $6k CLI too and that didn't help either.

---

That TU change is still not explained.

Which cards were reporting the 2% earlier, and what was the change in card count reporting any balances, in this recent time that led to the TU score drop?

Was there any new card app from the EQ INQ, or just a CLI HP? If a new card, did that card show up at all on your reports yet?

---

The two cards that have been making up the 2% UTL have been Home Depot and Discover with 0% APR. I let a few cards report this month that are all paid off now after they reported. The highest one that reported was the QS that reported $1,200, which I paid 2 days after it reported. There were a total of 5 cards that reported instead of the usual 2.

The HP was CLI for Home Depot, and the PayPal Credit which is a hidden line and new line for me.

---

The additional cards reporting has been known to drop score as reported by many posters. That certainly could account for this magnitude of drop. However, that ususlly shows as an impact across all CRAs.

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During the month where my TU went from all 16 cards reporting to 15 to 14 to 13 to 14 to 15 to 16, TU went down and up with some allowance for other factors like aging of accounts and remnants of some utilization changes, but mostly that card count change, IMO. Not even impacted by the Venture INQ that was a triple pull.

Meanwhile, during the same time period, EQ went only up 6 points one time triggered by the Venture INQ, and finally at the very end 1 point drop somewhat coinciding with the last card coming back on line again with a balance, but also three days after the double pull for Citi.

Also, EX went up 1 point at the time of the Venture INQ, perhaps some rise from the card count, then EX went down 5 points with the Citi INQ as the trigger.

So while EQ and EX tend to report individual card changes, I didn't see them using the cards going away and coming back as a score change trigger, whereas it seems to be that way with TU. Whether that is melded in with the INQ trigger, in the case of OP, didn't seem to move the other bureaus much.