EX8 tracks retail Balances independently

3 years ago

Sat Oct 16, 2021 1:32 am

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 41 minutes Next Level in10 days, 10 hours, and 19 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 19 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 19 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 19 minutes

Birdman wrote: ↑Thu Oct 14, 2021 2:55 pm EX8 tracks retail balances independently from nonretail Revolver Balances.

Well, doesn't that make some sense now. Lol. My Kohls store card unexpectedly reported off cycle this month. I think it was because I initiated an address correction of all things. Anyway, it posted off cycle with 34% individual utilization, messed up my AZEO, but only raised my aggregate utilization from 1% to 3%. It reported to EX first and resulted in a small score loss which I assumed was either due to the 34% utilization of the individual card or the AWB change. However, when it reported to both TU and EQ a few days later, I incurred no score loss on either, and I was a little confused as to why. The more you know, huh? Lol. Thanks for the info, and I definitely have a DP that confirms.