My wife's score on CW dropped from 789 to 774 today. There was no change in utilization, inquiries, etc. The number one reason score wasn't higher changed from "balances to high" to "account history to new." There was a big change in number of accounts--50 to 35--and I'm not quite sure what would have caused it. Lots of older student loan accounts and sevearal good older CC tradelines fell off. Here are the two sets of data, with possibly identifying account numbers removed: ________ ------Your credit history from Equifax as of September 19, 2002. Accounts Summary Number of accounts 50 Number of accounts with balances 10 Number of accounts that are negative 0 Total balance on all accounts $207,576 Length of credit history 11 years, 1 months Account Type Company Account Number Date Opened Balance Negative Items More Information Revolving FUSA NA 44171247XXXX 11/1998 $0 No More Information Revolving P1NB/PIER1 3225187XXXX 8/1998 $0 No More Information Revolving CITI 54241801XXXX 5/2002 $9,034 No More Information Unknown FUSA NA 55445303XXXX 9/1996 No More Information Revolving CAP 1 BANK 52914922XXXX 5/2002 $0 No More Information Revolving CITI 54241801XXXX 10/1999 $0 No More Information Revolving CITI 54241801XXXX 4/1999 $480 No More Information Installment AMS-SG 9/1992 $623 No More Information Installment AMS-SG 9/1991 $415 No More Information Installment AMS-SG 10/1993 $4,300 No More Information Revolving ASSOC/CITI 46165707XXXX 9/1999 $0 No More Information Revolving AMEX -00834679301531XXXX 1/2000 $151 No More Information Installment SPO TEACHR 116986XXXX 9/2002 $103,000 No More Information Revolving SPO TEACHR 116986XXXX 8/2002 $0 No More Information Installment NETBANK 860100810908XXXX 10/2001 $89,348 No More Information Revolving FUSA NA 44171241XXXX 1/2000 $0 No More Information Revolving NNCB VISA 000283XXXX 7/1999 $0 No More Information Revolving AMEX -07288078801334XXXX 7/2001 $195 No More Information Revolving RNBTGTVISA 435237833940XXXX 5/2002 $0 No More Information Revolving 1ST INT BK 13471XXXX 7/2002 $0 No More Information Revolving NORDSTROM 1XXXX 11/1992 $0 No More Information Revolving BON/FDSB 465779XXXX 12/2000 $0 No More Information Revolving BON/FDSB 465779XXXX 12/2000 $0 No More Information Revolving DISCOVR CD 60110074XXXX 8/1991 $30 No More Information Revolving JCP/MCCBG -466090XXXX 11/2001 $0 No More Information Revolving MBNA AMER 54XXXX 3/2001 $0 No More Information Installment AAMG 330060946XXXX 10/1999 $0 No More Information Revolving CITIBANK 53XXXX 2/2000 $0 No More Information Revolving FUSA NA 44171271XXXX 4/2001 $0 No More Information Revolving CHASE NA 430587XXXX 8/1997 $0 No More Information Revolving MONT/WARD CP4F0684-402XXXX 7/1998 $0 No More Information Revolving HHLD BANK 0-531981XXXX 8/1997 $0 No More Information Revolving UNVL/CITI 54911301XXXX 1/1999 $0 No More Information Revolving CITI 41280036XXXX 3/1999 $0 No More Information Revolving BMBY/CBUSA 60117601XXXX 8/1998 $0 No More Information Revolving FUSA BANK 467301250XXXX 8/1997 $0 No More Information Revolving FUSA NA 54171294XXXX 11/1998 $0 No More Information Revolving WFFNB/VS 12516825832XXXX 9/1994 $0 No More Information Revolving FLEET CC 54910007XXXX 1/1995 $0 No More Information Revolving GE/CARD/CO 54075617XXXX 9/1996 $0 No More Information Revolving GE/CARD/CO 54075606XXXX 7/1993 $0 No More Information Revolving BK ONE 42665214XXXX 10/1996 $0 No More Information Revolving HHLD BANK 16695212XXXX 1/1995 $0 No More Information Installment SALLIE MAE 4/1996 $0 No More Information Installment SALLIE MAE 5/1995 $0 No More Information Installment SALLIE MAE 4/1995 $0 No More Information Installment SALLIE MAE 12/1993 $0 No More Information Installment SALLIE MAE 12/1993 $0 No More Information Installment SALLIE MAE 12/1993 $0 No More Information Installment SALLIE MAE 7/1993 $0 No More Information _____ Your credit history from Equifax as of September 20, 2002. Accounts Summary Number of accounts 35 Number of accounts with balances 10 Number of accounts that are negative 0 Total balance on all accounts $207,576 Length of credit history 11 years, 1 months Account Type Company Account Number Date Opened Balance Negative Items More Information Revolving CITI 54241801XXXX 5/2002 $9,034 No More Information Revolving FUSA NA 44171247XXXX 11/1998 $0 No More Information Revolving P1NB/PIER1 3225187XXXX 8/1998 $0 No More Information Unknown FUSA NA 55445303XXXX 9/1996 No More Information Revolving CAP 1 BANK 52914922XXXX 5/2002 $0 No More Information Revolving CITI 54241801XXXX 10/1999 $0 No More Information Revolving CITI 54241801XXXX 4/1999 $480 No More Information Installment AMS-SG 9/1992 $623 No More Information Installment AMS-SG 9/1991 $415 No More Information Installment AMS-SG 10/1993 $4,300 No More Information Revolving ASSOC/CITI 46165707XXXX 9/1999 $0 No More Information Revolving AMEX -1/2000 $151 No More Information Installment SPO TEACHR 116986XXXX 9/2002 $103,000 No More Information Revolving SPO TEACHR 116986XXXX 8/2002 $0 No More Information Installment NETBANK 860100810908XXXX 10/2001 $89,348 No More Information Revolving FUSA NA 44171241XXXX 1/2000 $0 No More Information Revolving NNCB VISA 000283XXXX 7/1999 $0 No More Information Revolving AMEX -07288078801334XXXX 7/2001 $195 No More Information Revolving RNBTGTVISA 435237833940XXXX 5/2002 $0 No More Information Revolving 1ST INT BK 13471XXXX 7/2002 $0 No More Information Revolving NORDSTROM 1XXXX 11/1992 $0 No More Information Revolving BON/FDSB 465779XXXX 12/2000 $0 No More Information Revolving BON/FDSB 465779XXXX 12/2000 $0 No More Information Revolving DISCOVR CD 60110074XXXX 8/1991 $30 No More Information Revolving JCP/MCCBG -466090XXXX 11/2001 $0 No More Information Revolving MBNA AMER 54XXXX 3/2001 $0 No More Information Installment AAMG 330060946XXXX 10/1999 $0 No More Information Revolving CITIBANK 53XXXX 2/2000 $0 No More Information Revolving FUSA NA 44171271XXXX 4/2001 $0 No More Information Revolving CHASE NA 430587XXXX 8/1997 $0 No More Information Revolving MONT/WARD CP4F0684-402XXXX 7/1998 $0 No More Information Revolving HHLD BANK 0-531981XXXX 8/1997 $0 No More Information Revolving UNVL/CITI 54911301XXXX 1/1999 $0 No More Information Revolving CITI 41280036XXXX 3/1999 $0 No More Information Revolving BMBY/CBUSA 60117601XXXX 8/1998 $0 No More Information I'm not sure how to challenge this removal of lines, or even if can. I'm thinking there don't seem to be any that are deleted that haven't undergone a name change, buyout, or something similar... Seems strange that they would all come off at once like this...? Any ideas of what to make of all this?
Wanna trade scores? I wouldn't worry too much about it, some old positive accounts aged off, no big deal.
I'd be willing to bet EQ split her file. Why don't you give them a call and ask? She probably has a 2nd file with all of the other TLs. DemPooches
