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TU unexpectedly

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vanillabean
Valued Contributor

TU unexpectedly

I noticed recently that in a narrow window of time TU displayed 3 reported balances for my 5 cards, which is highly unusual. Then one of the 3 cards reported a $0 balance, bringing me down to 2 balances reporting. There was no other change.

 

There was every reason to expect a score increase of about 10 points. And EQ did just that in this case, actually 15 points. Not so with TU. Down 9 points. My Amount of new credit went from Not Good to Bad.

 

I'm guessing that as other stuff gets cleared, TU 98 is zooming in on the maxed out card. It's new, it's a signature visa, so its high balance is equal to its first monthly balance. Even one dollar would have done it.

 

It doesn't matter if the overall util is less than one percent. So, good that TU 98 doesn't matter either. Smiley Tongue

 

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