SCORE DROPPED 54 PTs when I paid credit card balance to zero😳

[Anonymous]

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@spiritcraft1 so in your case, I originally spoke too soon.  On the mortgage scores it actually did go from a dirty card to clean card because the charge off was paid recently and therefore it had not been two years for it to go to a clean card on the mortgage scores, yet. Since it was recently paid, it actually was still in a dirty card on the mortgage scores and reassigned to a clean card.

I should've asked when it was paid before I assumed. So yes all versions went from dirty card to clean card since it was recently paid.

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Update: DW gained 14 points on EX and 8 points on TU after a small balance reported on an AU card.  Nothing from EQ as yet.

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@spiritcraft1 so all authorized user accounts were at zero and she was under the AU AZ penalty?

[spiritcraft1]

on EX: Yes, she lost 18 points for a $0 AU balance reporting last month.

She then gained 14 back today as the AU reported a balance. 

She did gain 5 points since for who knows what?  Aging of her old paid $100 CO??? There was no obvious event.

[Anonymous]

Possibly. Can you narrow down the date of when it happened and what was the date of the paid charge off?

[spiritcraft1]

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@Anonymous wrote:
Possibly. Can you narrow down the date of when it happened and what was the date of the paid charge off?

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Macy's CO of $100.00 was paid in March of this year.  It is due to fall off EX next month or in December depending on EE. 

Here gain in points was around the first of this month, that was when the MF notice came in email.  The Everything ZERO happened in early September over a two day period when first all direct accounts reported $0 and then a day later when an AU reported $0 balance.

[Anonymous]

First of which month?

[spiritcraft1]

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@Anonymous wrote:
First of which month?

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Sorry, First of October 2020... 

[Anonymous]

maybe that’s it, but there are some flies in the Vaseline because it should’ve been 1 September if it was paid in March. Should’ve been at 6 months, not 7. Something is funny and I don’t mean LOL funny. Have you investigated any other changes?

[spiritcraft1]

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@Anonymous wrote:
maybe that’s it, but there are some flies in the Vaseline because it should’ve been 1 September if it was paid in March. Should’ve been at 6 months, not 7. Something is funny and I don’t mean LOL funny. Have you investigated any other changes?

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It may have been aging of open accounts???  She had three pass one year and two pass two years at that time also.

When she got that 5 point increase noting on EX, I could not figure out what did it.  She also have a few INQ's drop.

[Anonymous]

Well it’s only going to go by the oldest one or the youngest one or the average. And inquiry points come back 365 days later to the day, if that helps.