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11 pt. drop on EQ - old acct gone

Discussion in 'Credit Talk' started by DaveLV, Apr 19, 2003.

  1. Apr 19, 2003 #1
    DaveLV

    DaveLV Well-Known Member

    I had a Macy's card on my EQ report that I opened in 1987. It had a horrible payment record while I had it, but since that was WAY in the past, it was reporting paid/never late since 1987. My EQ score yesterday was 693.

    Today when I pulled my EQ report, that tradeline is no longer there. That means my credit file went from over 15 years history down to 4 years 10 months (when I got my first Providian card).

    My score dropped to 682. I have 34 positive tradelines on EQ with no negitives.

    4 accts opened in 2003
    15 accts opened in 2002
    9 accts opened in 2001
    4 accts opened in 2000
    2 accts opened in 1998
     
  3. Apr 19, 2003 #2
    breeze

    breeze Well-Known Member

    Ahhh! they gotcha! Sooo fastidious about taking old positive accounts off, so slow to take anything else off. But, we know that.
     
  4. Apr 19, 2003 #3
    DaveLV

    DaveLV Well-Known Member

    Yeah -- those bastards. :)

    Actually it wasn't due to fall off yet because the DOLA was listed as 1998. I'm going to have to call them to see if I can somehow get it added back.

    But the weird part of it is that I would assume that more than 10 years of extra history would be worth a lot more than 11 points.
     
  5. Apr 19, 2003 #4
    jlynn

    jlynn Well-Known Member

    Yea, but the good news is, you have 9 accounts hitting the two year mark this year, I saw a nice jump when this happened.

    BTW if you are complaining because it was "only" worth 11 points, you can always give some to me if that will make you happy :)~

    Maybe Macy's fell in that movable hole you wanted--you'll never find it. HA!
     
  6. Apr 19, 2003 #5
    LKH

    LKH Well-Known Member

    The alleged increase in score when accts hit the 2 year mark is kind of mysterious. In the past 6 months, I have had like 5 accts hit the 2 year mark. Only on 1 did I see any increase. The others came and went without so much as a 1 pt increase.
     
  7. Apr 19, 2003 #6
    DaveLV

    DaveLV Well-Known Member

    Heh.. I still crack up when I think of cavities falling out... :)

    You're right about the accounts hitting the two year mark. The two that hit five years will be interesing too. The Providian account will be five years old in June (damn, I REALLY am stuck with that account now -- I can never close it) and I have a paid auto loan that will turn five in November. I'm wondering what good that will really do since it is a paid installment loan.

    We'll see...
     

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