Why lost 15 EQ TL? FICO down 15 pts

Discussion in 'Credit Talk' started by DaveH, Sep 20, 2002.

  1. DaveH

    DaveH Well-Known Member

    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?
     
  2. gracie

    gracie Well-Known Member

    Wanna trade scores? I wouldn't worry too much about it, some old positive accounts aged off, no big deal.
     
  3. MandyB

    MandyB Well-Known Member

    You have mail!
     
  4. slinkyboi5

    slinkyboi5 Well-Known Member

    probably a ratio thing. perhaps debt to number of accounts ratio.
     
  5. DemPooches

    DemPooches Well-Known Member

    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
     

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