If all of your cards reported $0 balances as a result, then you would have lost some points, but that wouldn't account for the full 54. If you want to post the details of your profile before and after the change, we may be able to help you zero in on the cause.
DW had that same experience last month but not that large... 50 40 points. Hers was due to all zero and $0 balance AU accounts. A double whammy.
The other two, TU and EQ, were far less severe.
Edited to correct:
54 points seems like a lot for an all zero penalty. Did you take out any new loans/apply for new cards? Or perhaps an unexpected collection popped up?
@Anonymous wrote:
@spiritcraft1 wrote:DW had that same experience last month... 50 points. Hers was due to all zero and $0 balance AU accounts. A double whammy.
The other two, TU and EQ, were far less severe.
@spiritcraft1 Really? DW has a 25 point AZ penalty???? And 25 point AU AZ penalty? Has this ever happened before?
Thank you for catching that! I miss typed that, it was NOT 50, the drop was 40 points!
It was 752 to 712. Currently she is at 735 after having two small balances report. The AU account will report in a few days finally with a small balance and we will see if she gets back to 752. The $0 balance AU cost her 18 points of the 40 lost.
@Anonymous wrote:
@spiritcraft1 wrote:
@Anonymous wrote:
@spiritcraft1 wrote:DW had that same experience last month... 50 points. Hers was due to all zero and $0 balance AU accounts. A double whammy.
The other two, TU and EQ, were far less severe.
@spiritcraft1 Really? DW has a 25 point AZ penalty???? And 25 point AU AZ penalty? Has this ever happened before?
Thank you for catching that! I miss typed that, it was NOT 50, the drop was 40 points!
It was 752 to 712. Currently she is at 735 after having two small balances report. The AU account will report in a few days finally with a small balance and we will see if she gets back to 752. The $0 balance AU cost her 18 points of the 40 lost.
@spiritcraft1 Whew! You scared me there. 17 points you mean for the AU?? I wonder why so high? And 13 for the primary AZ, which is more normal.
I was like, outlier or something, but that's still quite it outlier for an AU AZ penalty!
Yup, I thought I had it set to have her record an AU statement balance a couple weeks ago but it was a pending charge and they still reported zero. Her next AU card WILL report a balance Tuesday so we will see where that goes. The AU $0 balance cost her 18 points on EX only. It think it was like 6 or so on the other two.
My EX works the same way but have not an AZEO including an AU account for quite some time but I remember that it was twice the drop as compared to EQ and TU.