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If you are open, what is the name of installment account?
Are you comparing your EQ FICO to your EQ report from Equifax.com?
Try running the math to confirm that it is factored in. Run the reported utilization on a spreadsheet and compare it with your util listed (usually) on pages 2 and 3 of your FICO report.
llecs,
I looked at the reports again this morning and the scores are the same on both sites, but the data is being reported two different ways. On myFICO, they report my two loans with MHFCU (June 09) as Revolving, however, on EQ's direct site they are reporting correctly as Installment accounts/loans. How can this be and how do I get it corrected. I'm not looking to get anymore credit at this time, but there is always that emergency that may pop up and I may have to acquire credit requiring a hard pull. Will they pull directly from EQ or myFICO? I'd prefer to have both sites reporting identical information if possible. If you would like to discuss this privately let me know. Thanks!!!
I finally found the problem and it was NOT a myFICO issue after all. Sorry myFICO!!!
Turned out that EQ was reporting the two loans as two different account types at the same time. On their accounts summary page, they showed each of the two loans as installment type accounts which was correct, but within the hidden details for each account they were being reported as revolving accounts. Since finding this reporting error and sending them a dispute letter, they now both reflect the correct account type in the hidden details. Correcting this error shot my EQ score up 72 points overnight. Goes to show that you have to pay attention to ALL of the details and not just what is on the surface.