Scores back up

[MoreRewards]

I posted a thread about 73 points lost with TU.

I'm not sure exactly the causes in play.
I was an AU on my brothers account that reported 30 day late but it had reported that way for a couple months before without dropping.
However utilization went up slightly from higher balance reporting. Something I didn't notice before until I looked again after my posts was that my Walmart card went from $3,000 CL to $1,524 CL would also added to my overall utilization amount (as did no longer having my Bros CL). I only used the card once since opening & been over a year so I understand CL decrease, though I don't like it.

Anyway my TU dropped to 685 & EQ to 667! I was devastated. I disputed the AU account on both & paid my utilization down some (14% to 9%).
My scores rebounded. TU 764 & EQ 758 ☺

I didn't think such little differences would matter but I guess Fico does think so.

I'm really happy & wanted to share. Also wanted to say to other people with the score drops even if it is a small change in utilization or limits it can make a difference. Lower utilization will then see a good increase just like it saw a big drop in score.

[NRB525]

Thanks for the update.

As with all the alarm posts here, what the poster first sees as the Alert? yeah, that's not the real reason for their big change in score. There's always a lot more to the story, but the original poster doesn't yet realize it.

Good news that you are back on track with your score. Are those from MyFICO?

[MoreRewards]

The whole thing was confusing to me. I was frustrated because I couldn't make sense of it & it was a significant drop.

Yes they are myFico but the TU score same as the free I just need to see the actual report.