You have few accounts that are in good standing?

[Anonymous]

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@Anonymous wrote:

I like NRB's suggestion, which was to let a small positive balance report on every open account, and see if that particular reason code goes away after that.

I do notice that you have accounts that have never reported a positive balance.  Personally I think a good part of anyone's "new card hygine" should be to activate and use a new card soon after receiving it, and then let it report a small balance.  That doesn't have to be done every month, of course.  Just once upon receiving it.  The "let it report a small balance" might not be necessary but it can't hurt for sure.

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Well to my shock this morning, Sync reported the $11 balance my Amazon card had for a whopping 24 hours before my push payment cleared it out to Transunion so when my PayPal and NFCU cards hit all three bureaus and the two disputes I have open with EQ and EX finalize I'll do another 3B FICO pull and see what's what.

[Anonymous]

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@HeavenOhio wrote:

I get that code with no baddies. All I can figure is that FICO would like me to have a thicker file. I'm not about to apply for credit because of a reason code.

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Good to know that you've seen it with no negative items present.  How many accounts did you have on your CR at the time?  I had either 23 or 24 at the time I saw it, so I really don't think thickness is a factor unless FICO is really still imposing a penalty with that many accounts.  If they are, I would say it's a filler statement that has little to no bearing on score such as "too many accounts with balances" when someone has 1 open installment loan and at AZEO with a bunch of revolvers present, or "too many inquiries" when someone has just 1, for example.

[HeavenOhio]

The last time I saw it, which was recently:

• EQ: Six open cards, three closed cards
• EX: Six open cards, three closed cards, one open utility account
• TU: Six open cards, three closed cards, one open utility account, one closed utility account

I don't recall exactly where it appeared right now, but I think I saw it two or three times among the scores that myFICO provides.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I like NRB's suggestion, which was to let a small positive balance report on every open account, and see if that particular reason code goes away after that.

I do notice that you have accounts that have never reported a positive balance.  Personally I think a good part of anyone's "new card hygine" should be to activate and use a new card soon after receiving it, and then let it report a small balance.  That doesn't have to be done every month, of course.  Just once upon receiving it.  The "let it report a small balance" might not be necessary but it can't hurt for sure.

---

Well to my shock this morning, Sync reported the $11 balance my Amazon card had for a whopping 24 hours before my push payment cleared it out to Transunion so when my PayPal and NFCU cards hit all three bureaus and the two disputes I have open with EQ and EX finalize I'll do another 3B FICO pull and see what's what.

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Are you talking about paying $60 for an additional 3B myFICO report?  That strikes me as a really costly thing to do.  You can get a 3B report with FICO 8 scores and reason statements for a buck at Credit Check Total.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I like NRB's suggestion, which was to let a small positive balance report on every open account, and see if that particular reason code goes away after that.

I do notice that you have accounts that have never reported a positive balance.  Personally I think a good part of anyone's "new card hygine" should be to activate and use a new card soon after receiving it, and then let it report a small balance.  That doesn't have to be done every month, of course.  Just once upon receiving it.  The "let it report a small balance" might not be necessary but it can't hurt for sure.

---

Well to my shock this morning, Sync reported the $11 balance my Amazon card had for a whopping 24 hours before my push payment cleared it out to Transunion so when my PayPal and NFCU cards hit all three bureaus and the two disputes I have open with EQ and EX finalize I'll do another 3B FICO pull and see what's what.

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Are you talking about paying $60 for an additional 3B myFICO report?  That strikes me as a really costly thing to do.  You can get a 3B report with FICO 8 scores and reason statements for a buck at Credit Check Total.

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I signed up for a month of myFICO 3B Ultimate. I just wanted to see score impacts... It was nice being over 700 on TU because my personal loan being paid off is going to wipe that out lol. -9 on EX and -17 on EQ so far.

I have WalletHub for daily TU report updates and CK for EQ weekly and EX app for EX monthly, I just wanted to see how much my scores are going to yoyo as all of this settles in.

[Pikaboo-icu]

Yeah that sounds like the roulette wheel of pick a reason any reason.

I wouldn't worry about it.

I've seen the: "You don't have enough available credit on your revolving accounts"  (not sure of the exact verbiage)

It's baloney! I have over $146,000. in avail CLs and <1% uti.. How much more do I need.. LOL