64 Point drop in scores

Hello Folks: I have had a bumpy ride on the establishing credit journey. Here is what I have so far: No negatives; 2 enquiries on equifax:5 on Experian:Chase denied my request for a card the very first one I tried 5 months ago. Then BOA denied and countered with a 99/500 offer. BOA has no enqiury on experian and equifax. My first card was Discover with $1250 (The one I use the most). PIF before reporting date. My second a few months later with $5000. PIF before reporting date.. Then I wanted a third line reporting, So took the BOA offer two weeks after the first two cards. Never used BOA. BOA billed me $39 for yearly fee which they had waived in my offer letter. I paid the $39 even before I received the physical card. Disputed the $39 a couple of days after. Was given a credit of $39. BOA reported the $39 on my credit report. Yep, that was after they had been paid within a day of posting, and weeks before the statement was cut. Well they reported this as maximum credit used. Since I don't let the other two report this is really the only card that reported a payment ever owed. So my experian and equifax score dropped from 720 by 69 points and a similar high 700 drop to 650. What am I missing here? No new enquiries only BOA reporting this month that a credit line was opened in May of this year. Nothing else changed. And all cards were issued in May. I am beginning to regret getting a deadweight BOA card. The other score is not reporting as my account is too young. It has an annual fee too. So not too thrilled. What am I missing here? I do plan on letting amex report $10. My original amex arrived late and then I lost the card and had to wait almost a month before the replacement card arrrived.

Amex: Last Reported Jun 17, 2015Account Type Credit CardOpened Date May 05, 2015Limit $5,000Highest Balance $0Payment Status CurrentWorst Payment Status UnknownAmount Past Due $0Times 30/60/90 Days Late 0/0/0 BOA:Last Reported Jul 07, 2015Account Type Secured Credit CardOpened Date May 18, 2015Limit $500Balance $0Highest Balance $39Payment Status CurrentWorst Payment Status CurrentAmount Past Due $0Times 30/60/90 Days Late 0/0/0 Discover:Last Reported Jun 18, 2015Account Type Credit CardOpened Date May 03, 2015Limit $1,250Balance $0Highest Balance $0Payment Status CurrentWorst Payment Status CurrentAmount Past Due $0Times 30/60/90 Days Late 0/0/0 And as to when they started reporting. Discover reported first. Then a month after that Amex did and BOA reported this week. The AOA is 2 months and hasn't changed. So the two negatives are $39 reported by BOA as the Highest balance, which is untrue. It was never owed and therefore a false report. I did pay it and pay it on the very day it was posted online, before the statement cut and before I even got my card which arrived a month or so after. So I am not sure why they report that. And the current balance is -$39, after they acknowledged that it was not due. The other information they report is that its a secured card. Which may explain the drop. I thought the secured vs unsecured was not relevent. Maybe it is if you have unsecured and then a secured shows up.

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Access points dropping up and down

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Pway wrote:
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[email protected]

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When my new credit card reported, why?

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Does Logic Express allow you to set a split point in the Score Editior?

http://www.music.sc.edu/ea/Jazz/transcriptions.html

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Credit Score Drop & Credit Limit Increase.

This morning I had 7 points drop from my credit score. This past month I decided to pay off a 10 year student loan early thinking it would help my credit score. I know it has helped my financial situation but has given my credit score a hit. I am thinking I got the hit because I closed the account out which significantly lowered my AAOA. I have a auto loan that I am currently paying off and the loan ends in about 2 years. Ive been going back and forth about paying off this also, but since I got the hit I just decided not to and just wait the 2 years. In my report I have 1 missed payment waiting to fall off next month, and after that I am pretty set. I have been also itching for another credit card. At the moment I only have one card which is my Barclaycard. What are your thoughts on opening up another one? I know it'll drop my score but I am thinking that I need to replace my loan with something beneficial such as another credit card. I am just not sure if that is a good thing. This morning I checked my Barclaycard statement and realized that they increased my credit limit. I started off with $1000 and they gave me a credit limit of $3500. So my question is how will this affect my credit score? I am on the road of rebuilding my credit. I started this road in the low 500's and within a few months I was able to get my score up to the low 700's with the help of this forum and advice. I would hate to see myself go backwards again. Any advice would be great.

hazeboo wrote:
This morning I had 7 points drop from my credit score. This past month I decided to pay off a 10 year student loan early thinking it would help my credit score. I know it has helped my financial situation but has given my credit score a hit. I am thinking I got the hit because I closed the account out which significantly lowered my AAOA. I have a auto loan that I am currently paying off and the loan ends in about 2 years. Ive been going back and forth about paying off this also, but since I got the hit I just decided not to and just wait the 2 years. In my report I have 1 missed payment waiting to fall off next month, and after that I am pretty set. I have been also itching for another credit card. At the moment I only have one card which is my Barclaycard. What are your thoughts on opening up another one? I know it'll drop my score but I am thinking that I need to replace my loan with something beneficial such as another credit card. I am just not sure if that is a good thing. This morning I checked my Barclaycard statement and realized that they increased my credit limit. I started off with $1000 and they gave me a credit limit of $3500. So my question is how will this affect my credit score? I am on the road of rebuilding my credit. I started this road in the low 500's and within a few months I was able to get my score up to the low 700's with the help of this forum and advice. I would hate to see myself go backwards again. Any advice would be great. Your AAOA doesnt get affected, it will still count towards your AAOA for 10 yrs from the time of closing.The credit line increase will not hurt your credit scores. If youre going to apply for another CC, i would wait until your CR repoets $0 balance/account closeed/paid as agreed. If you're score went down for paying the school loan off, it should go back up soon...doesnt make sense. When i got my two auto increases with Barclay, they HP me...maybe it changed but i would check and make sure they didnt do that. If they did, i would dispute that you didnt give them permission for auto HP increase. Worked with my wife. Anyonre?

Drag and Drop Interaction Scoring

Hi-
I've created a drag and drop interaction for a quiz with four
objects. Each object has to match up to the correct spot in order
for the user to get the answer correct. I've done this type of
interactions before successfully and not had a problem with
scoring.
But this time .. the only thing I can see that's different
about this quiz is that I'm not assigning any points in the "Score"
field - I am instead using the Status of Correct Response alone.
I've found that this interaction scoring works perfectly for my
other quiz interactions but there seems to be a problem with the
drag and drop - when the user moves the objects around and
temporarily places an object in the wrong (or maybe even correct)
spot, each of these movements is being racked up as correct in this
interaction So, if there's an ambivalent user they're going to get
many more points than is even supposed to be possible.
I can't see anything different that I've done with this
interaction other than the scoring. I changed to correct response
scoring because it was the only way I could figure out how to reset
the quiz score after the user leaves and comes back. (using
TotalCorrect)
Anyway, I'm open to ideas - even if it's not the scoring -
any help would be appreciated!
Thanks -
Cammia

Don't use the quiz knowledge objects and code yourself...?
You'll find many on here who can help you with hand coding
and probably none
who know much about implementing those KO's who can answer
questions. The
reason is if you know enough to be able to answer questions,
you know enough
to know that these KO's are a short term crutch that cause
long term
problems.
HTH;
Amy
"Cammia" <[email protected]> wrote in
message
news:e8jm2u$77e$[email protected]..
> Hi-
>
> I've created a drag and drop interaction for a quiz with
four objects.
> Each
> object has to match up to the correct spot in order for
the user to get
> the
> answer correct. I've done this type of interactions
before successfully
> and
> not had a problem with scoring.
>
> But this time .. the only thing I can see that's
different about this quiz
> is
> that I'm not assigning any points in the "Score" field -
I am instead
> using
> the Status of Correct Response alone. I've found that
this interaction
> scoring
> works perfectly for my other quiz interactions but there
seems to be a
> problem
> with the drag and drop - when the user moves the objects
around and
> temporarily
> places an object in the wrong (or maybe even correct)
spot, each of these
> movements is being racked up as correct in this
interaction So, if
> there's an
> ambivalent user they're going to get many more points
than is even
> supposed to
> be possible.
>
> I can't see anything different that I've done with this
interaction other
> than
> the scoring. I changed to correct response scoring
because it was the only
> way
> I could figure out how to reset the quiz score after the
user leaves and
> comes
> back. (using TotalCorrect)
>
> Anyway, I'm open to ideas - even if it's not the scoring
- any help would
> be
> appreciated!
>
> Thanks -
> Cammia
>

Drag and drop scoring

Is there a way to create a variable, or is there a system variable available, that allows for points to be assigned to drag and drop items? So, for example, each correctly dropped item is worth one point and as the learner makes the series of correct drops the score on the screen keeps increasing?

You cannot manipulate the Captivate quizzing system variables with Advanced Actions and you cannot assign a user variable as a score.
This type of scoring flexibility is not available with the native drag and drop functionality available in Captivate as the entire interaction is scored either correct or incorrect, not according to each separate drag item.
However, if you have the Infosemantics Interactive Drag and Drop widget, you can have multiple widgets on the same slide, each scoring a different drag item / target item match. In this way you can likely achieve the result you describe above because the more items the user gets matched correctly, the higher their score.
More details here:
http://www.infosemantics.com.au/adobe-captivate-widgets/drag-and-drop/interactive
Trial version available for download here:
http://www.infosemantics.com.au/adobe-captivate-widgets/download-free-trial-widgets
PLEASE NOTE THAT THIS WIDGET IS NOT COMPATIBLE WITH HTML5 OUTPUT.

Year long attempt to fix my credit score because of

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EPIC - The Fair Credit Reporting Act (FCRA) and the Privacy of Your Credit Report
Read the above. Get copies of the other credit bureaus that have given accurate updates and or letters stating it was corrected.
Get a consumer lawyer and sue the erroneous credit bureau for the maximum amount allowed by law. Or go out and get denied for a large credit item (car or home or boat) after being denied you can sue for three times the amount.
You can also take Verizon wireless to court (small claims) for the amount in dispute and another $3000.00 for violating the FDCPA
Read the law.
Add in court costs and postage costs and any costs associated with getting Verizon to remove it permently from your credit file(s)
Good Luck

New account same lender score impact?

Hello, As I just added a new Capital One card I was wondering if I will still see a new account impact on my scores?Or being that it is the same account with a added card not hurt? I took a 7 point drop in my Experian today from the new Inq, do not know yet about TU and EQ. Thank you!

BobbyLee2 wrote:
Hello, As I just added a new Capital One card I was wondering if I will still see a new account impact on my scores?Or being that it is the same account with a added card not hurt? I took a 7 point drop in my Experian today from the new Inq, do not know yet about TU and EQ. Thank you! It sounds like you mean one of the following: (A) You have had a credit card for a while with Capital One. Then, in the last few weeks, you added a second (different) card. For example, maybe you had the Venture and then added the Quicksilver. (B) You have had a credit card for a while with Capital One. Then, in the last few weeks, you requested another card (physical piece of plastic) on the same account -- no new line of credit. For example, perhaps you added your wife to the existing account, so they sent a new card. If (A) is what you mean, then it is not the same account, It is a second, different account with the same creditor. You will see the same FICO impact as if you added a new card with (say) Chase or Citi. If (B) is what you mean, then you will see no FICO impact. You do not have a new account on your credit report. If it is a new user on your account, that person would experience a FICO impact.

64 Point drop in scores

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