Weird EQ 15 point drop

ronq · ‎03-12-2008

Might be a re-bucket but it's kind of weird. I pulled TU on Feb. 29and on Mar.2 get a SW alert with a -15 score drop. I look and I had Discover report a $192 balance and the alert caught that since it had been at 0 for the last 7 months or so. My UTL never changed from around 1% so I was shocked to see the drop. Nothing else hit a milestone like age, no lates dropped off, no INQs added or dropped. Then on Mar.11 SW told me that it went up 15 points. No other CC have reported since Mar.2. Two others will report in the next 5 days so it's really kind of a mystery why I lost 15 points and then gained them back in 9 days.

Message Edited by ronq on 03-12-2008 04:28 PM

EX. 780 TU 794.

Junejer · ‎03-13-2008

Do you have a CMS, whereby you pull your reports a lot? It's been told that EQ will start to split files when the information becomes too great for the file to handle (such as "excessive" pulls). One of the tell-tale signs is -15, then +15, etc.

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Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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ronq · ‎03-13-2008

No I had one when I was correcting some stuff and when I first started monitoring about a year ago, but I've just been using SW and I rotate who I pull about once a month and every 6 months or so I pull all 3. That's why I thought it was strange. EQ is my lowest score by 12 points of so and about 20 from the highest.

EX. 780 TU 794.

Junejer · ‎03-15-2008

Ronq, you have me puzzled.

Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Anonymous · ‎03-16-2008

I had a similar experience yesterday with TU. -15 point drop overnight and no alert from TrueCredit, pulled my reports and nothing has changed. I did, however, submit an online dispute w/TU 7 days ago.

Anonymous · ‎03-16-2008

Look at the details of the TL-

It is very common for a OC to mark all 3 CRA's in dispute-

TiffyTBE wrote:

I had a similar experience yesterday with TU. -15 point drop overnight and no alert from TrueCredit, pulled my reports and nothing has changed. I did, however, submit an online dispute w/TU 7 days ago.