Util from 0 to 2%, gains on 2/3 CRA. Why?

PicoFico · ‎07-10-2019

Help me understand why letting utilization post (0% to 2%) have positive gains on all but EQ. Only DP's worth noting is that I have 3 new revolving accounts, but only 1 (this) is reporting so far.

Thanks for any help!

Anonymous · ‎07-10-2019

0% is a penalty 1%-8% is ideal.

EQ is just being stubborn it seems as it should have gone up at least a little.

Alerts don't exactly happen where there's a score change though either. There's a lot of different factors to consider for a point change. Something else might have changed on EQ scorecard that muted the point difference.

thornback · ‎07-10-2019

It is likely your EQ score also increased but - there is an ongoing issue with EQ score updating with alerts on myFICO eventhough the score has, in fact, changed. EX and TU update the score as expected, but not EQ (there are a few posts about it in the support forum and I am experiencing the same). Your EQ score will update when you pull a new 3B report as per your membership subscription.

You can confirm your score by getting the $1 trial through CCT/ Experian if you don't want to wait - just be sure to cancel before the trial ends.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

PicoFico · ‎07-10-2019

Good info thanks for the replies!

thornback · ‎07-10-2019

YW - And heres one of the threads on that issue:
https://ficoforums.myfico.com/t5/myFICO-Product-Feedback/EQ-score-not-updating-in-almost-3mo/td-p/56...

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.