@Anonymous wrote:
@JcT21 wrote:
@Anonymous wrote:
@JcT21 wrote:
nope it dont make sense. i share your frustration. i recently took at 27 point drop for being removed as an au on my fathers account. i thought that was a bit much. my utilization has never been over 1-2% ever. with or without the au account. i agree, it makes no sense. reasons given from the score provider (experian for me) dont make sense either. makes me scared to use my credit. i cant afford another gotcha moment like that.
Was the AU card older than your other accounts? If so, you may have lost the aging benefits of the card.
it was on my account for about 2 years. my oldest reporting card is well over a decade. my aaoa is 13yrs on EQ and 9yrs according to experian. ive had changes in the past regarding au accounts and never had this kind of reaction from mr. fico. i was shocked to see such a sharp drop. just like the OP had their drop for reasons that just dont make sense. i just dont understand why the harsh action for something relatively minor. as always, time will fix it. but its still very frustrating.
Did you have any other AU accounts when this one was terminated? I experienced some oddities when my last AU account was terminated and have a few wild theories as to what may have caused the score change but I don't have enough data to support those theories.
no, that was my only AU account. i am being added to another account he has had for 15 years or longer. im hoping that history / age will attach itself to my aaoa and total available credit to regain some of my point drop.
fico scores - August 2024:
TU - 733| EX - 737 | EQ - 730 |
TCL - 174K - UTIL - less than 1%
