A week ago my EQ score was 686. A day later it dropped to 666 after Providian reported my account a second time with a different balance. After disputing this I received a letter by mail advising this had been deleted - they actually deleted both enties and the score went up to 719 which is strange as it has never passed 700 even with a zero balance. It therefores eems that just the presence of a Providian account (wuth two years perfect payment history) takes 20 points off - work that out. I guess this needs dumping quick. I think I will see what Amex have to offer with this score before it drops again! Neil C
I have a providian card with a $0 balance. It was opened in 2001 and it is a positive TL. Will closing help my score? I have 4 other cards and it is not my oldest.
How about Cap One and Household do you think these matter since they offer more than subprime cards and no one knows.
Re: Re: Does FICO hate Providian too? Not according to Flyingifr in the "Straight from the horses mouth" thread.
