This doesnt make sense at all -- Equifax drops 20

I know this has been discussed in the past regarding how score changes do not correlate directly with alerts.. But I can't understand for the life of me why this just happened.. I have the MyFico 3B monitoring.. I just refreshed my reports I have no negatives on my report at all.. I just paid for a new pull of 3 reports on 6/29. As expected, my score did not change over what monitoring was saying - and my simulator values updated accordingly. Over the past several months, I have made significant reductions in my utilization, which is the only thing that was hurting my score. Since the 29th, this is what happened -- all on Equifax. No changes on TU or Experian -- but the same account changes were alerted with no score changes for them: 6/29/2015 Equifax 713 (+2):Your FICO score has increased from 711 to 713 6/30/2015 Equifax 706 (-7):The balance on one of your accounts has decreased by $79 / The balance on one of your accounts has decreased by 100% 7/2/2015 Equifax 705 (-1):The balance on one of your accounts has decreased by $1491 / The balance on one of your accounts has decreased by 22% 7/3/2015 Equifax 704 (-1):A new account has been added to your credit report (NMAC Auto Lease, 36M, Pays as agreed, first reported 6/1/2015) 7/4/2015 Equifax 704 (0):The balance on one of your accounts has decreased by $22 7/5/2015 Equifax 684 (-20):An account listed on your credit report has been updated (Ford Motor Credit, Auto Lease, Closed or Paid Account, Pays as agreed, Balance $4715 to $0) Any ideas what could have caused this? Also, while my TU and Experian have either stayed the same in reponse to balance reductions, or gone up by 1 point at a time, Equifax is dropping and I dont know why. Thanks

RickNY wrote:
Also, as a reference -- here is my overview: CREDIT HISTORY 18 Years 18 Years 18 YearsTOTAL ACCOUNTS 23 32 27CURRENT ACCOUNTS 23 32 27PAST DUE ACCOUNTS 0 0 0REVOLVING ACCOUNTS 15 20 18INSTALLMENT ACCOUNTS 8 12 7MORTGAGE ACCOUNTS 0 0 0OTHER ACCOUNTS 0 0 0COLLECTIONS 0 0 0PUBLIC RECORDS 0 0 0NEGATIVE INDICATORS 0 0 0AUTHORIZED USER ACCOUNTS 0 0 0 I've had numerous installment loans over the years open and close with 100% satisfactory payments -- I've never seen my score drop below 700 before.. More importantly -- I've never seen my score GO UP 20 points (or any amount of points for that matter), through the end of an auto loan. This was a 36 mo lease, it was bought out and paid in full 12 months early after the 24th payment. Not sure if that makes a difference. FICO 8 handles this differently than FICO 04 did so if you were looking at some other tracking, all bets are off. Installment utilization appears to be a real thing under both the FICO 8 and '98 models, and in your case (and mine earlier) paying off loans and attaching a new one (presumably at or near original balance) you will indeed get whacked and 20 points is absolutely reasonable under a FICO 8 model for it. Don't know if there's buffering based on having other installment loans on the report, I'll find that out in a month or two after I close on a mortgage but before it reports by paying one of my itty bitty pretty loans off. Similarly we've had reports of people getting below 80% (I went to 82% to 60% and got a small boost) but then I got a massive boost when I got my loans under 10% just yesterday: gained 29 points on EQ FICO 8 and that's with a newly scorable inquiry on my report too. The 80 and 10% are just swags at this point rather than known breakpoints, but it's illustrative for the example. Going through the mortgage process my files are uber locked down and as such got a clean data point, actually installment utilization is the only major change on my reports for the past year, dropped 20ish points in October when my auto loan paid (and then 5 more with my other old loan closing), and then gained them back just yesterday with the new report.

Similar Messages

My iPad is a 16 GB, it says I have 0 space left even after I erase all my pictures, music, games, and other unnecessary apps. It will not let me download anything. This doesnt make any sense??

I use my iPad for school and I only have a few apps on there. I have zero pictures/videos. 2 textbooks that dont take up the whole storage space so that isnt the problem. I have no music. When I go into usage in settings, it says 0 bytes available and says my photos and camera are taking up a considerably large amount of space. What gives?

How much space is Other using? You may be able to reduce.
How Do I Get Rid Of The “Other” Data Stored On My iPad Or iPhone?
http://tinyurl.com/85w6xwn
With an iOS device, the “Other” space in iTunes is used to store things like documents, settings, caches, and a few other important items. If you sync lots of documents to apps like GoodReader, DropCopy, or anything else that reads external files, your storage use can skyrocket. With iOS 5/6, you can see exactly which applications are taking up the most space. Just head to Settings > General > Usage, and tap the button labeled Show All Apps. The storage section will show you the app and how much storage space it is taking up. Tap on the app name to get a description of the additional storage space being used by the app’s documents and data. You can remove the storage-hogging application and all of its data directly from this screen, or manually remove the data by opening the app. Some applications, especially those designed by Apple, will allow you to remove stored data by swiping from left to right on the item to reveal a Delete button.
 Cheers, Tom

Doesnt make sense

I am very new to java. and i am taking it in university 1st year.. now.. we have labs to do but they dont tell us how to do em, they tell us to just do em... could someone please help me?
public class FoodItem {
private String description;
private double size;
private double price;
// Methods
// postcondition: creates a new object with data field
// values as specified by the arguments
public FoodItem(String desc, double aSize, double aP)
description = desc;
size = aSize;
price = aP;
// postcondition: sets description to the argument value
public void setDesc(String desc)
description = desc;
// postcondition: sets size to the argument value
public void setSize(double aSize)
size = aSize;
// postcondition: sets price to the argument value
public void setPrice(double aPrice)
price = aPrice;
// postcondition: returns the item description
public String getDesc() {
return description;
// postcondition: returns the item size
public double getSize() {
return size;
// postcondition: returns the item price
public double getPrice() {
return price;
// postcondition: returns a string representing the item state
public String toString() {
return description + ", size : " + size +
", price $" + price;
// postcondition: calculates and returns the unit pric
public double calcUnitPrice() {
return price / size;
now... that is what i have... but.... how do i do thesE?
a) Add a data field to store the total calories in a food item to the class
FootItem.
b) Add the methods setCal() and getCal().
c) Add a default constructor with no argument.
d) Add a constructor with two arguments: description and calories.
e) Add a constructor with 4 arguments: description, size, price, calories.
f) Modify the method toString() to return a string representing the state of an
object of class FootItem.
g) Modify class TestFoodItem to declare and create a new FootItem object
called dietCoke using the default constructor. Use the setter methods to
store the information that represents a 250 ml diet Coke that cost $1.25
with zero calories.
h) Modify class TestFoodItem again to add another object to represents a 250
ml regular Coke that cost $1.25 with 110 calories. Use the four parameters
constructor.
i) Display the attributes of these two objects.
If noone will help me with them... thats fine, it's totally up to you. I just do not understand any of this... i cannot find any of it in the notes.... and there is no text book..... any and all help is appreciated.

how do i add a default constructor with no argument?
public FoodItem() {
// but what goes here?
}To figure out what the body of the constructor would be ask
yourself what would happen if you don't initialise description, size, price
as you did in the other constructor. (Give them initial values)
Is it a problem at all? (Test and see)
If it is what can you do about it?

HT4203 Does this really make sense to others...?

...that we are not able to receive text messages containing photos if using the iPhone through wifi? Like many others I'm sure, I tend to keep my cellular data plan turned off and primarily use my phone through wifi at home and work. I missed the birth announcement of my niece because of this senseless feature...

This is from the iPhone User Manual:
Messages lets you exchange text messages with other SMS and MMS devices via your cellular connection, and with other iOS devices using iMessage.
iMessage is an Apple service that lets you send unlimited messages over Wi-Fi (as well as cellular connections) to other iOS and OS X Mountain Lion users. With iMessage, you can see when other people are typing, and let them know when you’ve read their messages. iMessages are displayed on all of your iOS devices logged in to the same account, so you can start a conversation on one of your devices, and continue it on another device. iMessages are encrypted for security.
The bottom line is MMS (text messages with photos) uses your cellular service. iMessage, which uses WiFi, is used to communicate between Apple devices.
Hope this helps.

Does this setup make sense?

I have DSL from Verizon via an Actiontec GT704WG modem/router. I plan to shut off wireless and disable DHCP and NAT in that device, and connect one of its ethernet ports to the WAN port of a Time Capsule. Then the Time Capsule will be configured to provide DHCP an NAT. Other devices (Ooma for example) will then connect to the ethernet ports on the TC.
Should work, right?

I plan to shut off wireless and disable DHCP and NAT in that device, and connect one of its ethernet ports to the WAN port of a Time Capsule.
Shutting off wireless and disabling DHCP and NAT will not likely make the Actiontec a simple bridge mode modem.
Check with Actiontec support to ask them how (and if) it is possible to configure the Actiontec as a simple bridge mode modem.

Strange error.....doesnt make sense...please help!!

okay soo down there is my code and here is the error i keep getting..........
C:\j2sdk1.4.2_05\bin>javac C:\Java\Cobalt1.java
C:\Java\Cobalt1.java:48: ')' expected
JOptionPane.showMessageDialog(null, "After 5 years you h
ave +"finalAmount"+ grams of Cobalt 60 left".);
^
1 error
if anyone could be soo helpful to let me know whats wrong.....it will be greatly appreciated
i thank you in advance
import java.awt.*;
import javax.swing.*;
public class Cobalt1
     public static void main (String[]args)
          int amount; //amount of Cobalt user will input
          double afterOne;//amount after one year
          double afterTwo;//amount after two years
          double afterThree;//amount after three years
          double afterFour;//amount after four years
          double afterFive;//amount after five years
          double finalAmount;//final amount of Cobalt
          String input;
          int inputIntegerVariable;
          input = JOptionPane.showInputDialog("How many grams of Cobalt 60 do you have? ***Use whole numbers only!***"); //Pop up window output
          inputIntegerVariable = Integer.parseInt(input);
          while(inputIntegerVariable != 0)
               amount = inputIntegerVariable;
               afterOne = inputIntegerVariable - inputIntegerVariable*.12;
               afterTwo = afterOne - afterOne*.12;
               afterThree = afterTwo - afterTwo*.12;
               afterFour = afterThree - afterThree*.12;
               afterFive = afterFour - afterFour*.12;
               finalAmount = afterFive;
               JOptionPane.showMessageDialog(null, "After 5 years you have +"finalAmount"+ grams of Cobalt 60 left".);
               input = JOptionPane.showInputDialog("How many grams of Cobalt 60 do you have? ***Use whole numbers only!*** (type 0 to finish)"); //Pop up window output
               inputIntegerVariable = Integer.parseInt(input);
          System.exit(0);

hey thanks alot guys....my program is working great now.......
but i have one last thing i need to ask........i want it to be able to give back a message if someone tries to enter a non-whole number....like what would i need to put after while(inputIntegerVariable....so that it will say "you must use whole n umbers only!"
while(inputIntegerVariable "what to put here???")
               JOptionPane.showMessageDialog(null, "You must use whole numbers only!");
               input = JOptionPane.showInputDialog("How many grams of Cobalt 60 do you have? ***Use whole numbers only!*** (type 0 to exit)"); //Pop up window output
               inputIntegerVariable = Integer.parseInt(input);

Question I hope this will make sense

okay my question is
last weekend I formatted my hard drive
BUT I saved Lightoom on another drive
I was working on some images in Lightroom, BUT forgot to export those images
I opened Lightroom in that drive and can see the images, but of course
Lightroom is saying those images are offline or missing
is there anyway I can just reconnect those images without spending more time
going back and working on the same images twice?
Also the external drive that the images are on and Lightroom are the same drive
BUT the drive has renamed itself
thanks
MT

Over on the left in the folder panel, right-click on the top level folder that contains your photos and select Update Folder Location

Does my DNG/RAW workflow make sense to you?

Ive been shooting RAW from my Nikon D50, converting the files to DNG (3.3), opening them in Adobe Camera RAW (2.4) using PSCS, processing and saving in TIFF (often through a droplet). In the process I retain the original RAW .NEF file, create a universal DNG file, and finally create a lossless TIFF file.
I do things this way because I want the supposedly more universal format of DNG, and Camera RAW 2.4 (which runs on CS) doesnt officially support the D50 .NEF file.
I cant think of a reason to upgrade either the DNG converter or Camera RAW files. It appears that the new versions basically just support new cameras. Besides, to do so Id have to upgrade to CS3, and thats totally out of the question.
I take about 2,500-3,000 shots a year not counting the ones I take for experimenting with different settings and such. I know some folk might think my process is time consuming and/or overkill to create and retain DNGs AND TIFFs, but Im thinking it just makes sense. Does this workflow make sense to anyone other than myself?
Im going to post this in both the RAW and DNF forums to see who thinks what. Thanks for your opinions!

Ive been hanging around the forums for a couple years now and have learned quite a bit from the others. Perhaps Ive helped others in the meantime. Im thinking thats the intent of the forum. Ive seen people blasted for not being as knowledgeable as some of the others and Ive always thought it's a shame. However, it appears Ive accidentally irritated folk by asking an opinion of something.
I mentioned in the OP that I'll not be upgrading to CS3 or any other version of PS. So by default, and a point not picked up by some- the question is really in regard to the newer version of DNG and NOT Camera RAW.
When I looked at the download page it appeared that the new version of DNG might somehow be connected to RAW. After all, they are in the same .ZIP file. Mr. Knoll was kind enough to point out that the newest version of DNG didnt require a PS upgrade. I should have figured that out myself as its a stand alone program, but by the way it was packaged Anyway, I downloaded the file, and unzipped it. Then ran DNG.
It works fine. Just as the previous version. But what I was asking, and what some people took issue with, was if there were features that had been faulty with previous version, or perhaps previous versions did work with RAW formats from certain cameras. Things like that.
I was thinking Mr. Knoll or another knowledgeable person might respond with Sure, Thomas, the newer version of DNG processes batch files much faster due to an improved bit-handling algorithm or Naw, the newer version of DNG is just compatible with more camera formats, so if the version you have works, no need to upgrade, or maybe even The newer version fixes a few minor issues with converting files over 9 MB in size.
Instead, I was told that I wouldn't be asking such a preposterous, absurd question. if I had read the linked article. Well, prior to my second post, I did read it read it. Its a nicely written article with some great shots of the interface. It touts the new RAW as the best there is, and according to the author, Jeff Schewe, its well worth the price. But I also noticed it said nothing of the new version of DNG. Maybe thats because the article is titled About Camera RAW 4.1.
Thank you, Mr. Knoll and G Sch.

Animation logic doesn't make sense....

I know this probably should go to a suggestion/feature request or what not but A. I haven't been able to find the place for that and B. I felt like it'd make sense to see what others thought of this as well....
Firstly....I'm learning flash right now and the animation in it is simply put...."backwards". Every other animation program I've touched made sense but here....its mind boggling. After effects, 3dsmax, maya, just about any other animation software you ALWAYS do the animation THEN place the keyframe.
Why is this important? Because then if you move your object just to see how it would be placed elsewhere temporarily and don't like it, you don't have to undo...or if you moved it accidentally you don't have to try and move it back into place. It doesn't key unless you tell it to key. Unless there's some feature in flash I've not yet discovered that reverses this. The other reason is for the sake of conformity. Sure flash isn't the same as other animation programs but if ctrl+Z is undo universally why do you have to go and change it, just to be different?
Thats not all. It doesn't make sense to have to push a button to edit multiple key frames. Why can't we just select them all and then edit, why add in a useless extra step to edit frames?
Lastly and the most annoying part, is the fact that you need to add in 'blank' keyframes to see your animation play. How did this even make sense from inception? Every other animation program your object will always exist ad infinitum unless you make it disappear. Why force us to add keyframes just to see what we have so far...doesn't it make more sense to just push the play button and see it playing endlessly and then during output you set the amount of frames u want rendered? Even more mind boggling is the fact that if you have an element animated within its own timeline you cannot see that animation in the main stage unless you add blank keyframes? Whats the purpose of these blank keyframes? Its so far as I can see just a needless step that never should have been there.
Well thats my rant.
Again, I don't script, I'm still learning it, but I come from a heavy background of animation of after effects/fcp/premiere and 3d packages. They are all consistent with how animation works, but here it just seems like it wasn't very thought out.
Maybe there are some reasons for the way its done for the sake of actionscript or some other reasons I'm not yet aware of. So forgive me if what I'm saying in actuality doesn't make sense. But if it does.....sure this would require what would most likely be a huge overhaul of flash's animation system, certainly not enough time to make it in for cs5....but at least as a future patch or in cs6 it would really make things more logical and flat out less complicated.
Thanks for reading, comments/critiques are welcome.

What is your problem?

Trying to make sense of div tags and css

i know that i am a few years late here, but i am looking ot make the migration from using tables and switching over to div tags and css. i have watched a few tutorials on you tube and am trying to understand everything.
please tell me if this is correct. a div tag is basically a table and css is what is used to style that div tag to meet your needs, is this a correct assumption??
if you go to my current site www.tankinz.com you can clearly see that the site is made up of tables, basically these boxes or tables contain a different item or package that a customer can click on and buy. by using div tags and css would each of these boxes, or tables be their own div?
sorry for sounding a bit moronic but i am trying to make sense of all of this.
please help!

Markup (html) contains elements, such as html, body, h1, h2, p, span, div and so forth. Hence a <div>-tag is part of an element; the other part being the </div>-tag.
The element structure of many web sites is basically (using HTML5 element names)
html
     head
     body
          header
          nav
          aside
          article
          footer
These elements can be positioned and styled using style rules (css). Depending on the style rules, the above structure can take on many different styles, without ever touching the markup.
Have a look here for a simple two-column layout using the same structure as above http://www.456bereastreet.com/lab/developing_with_web_standards/csslayout/2-col/

I feel Passbook should be on new iPad, because even if surfing web, and you have all information with you on the iPad and not have to get purse to look for individual information. It makes sense to provide it for the new iPad. PLEASE!

I feel that Passbook should be on the new iPad. My reason is when surfing Internet/purchasing all your information could be on the iPad, and you wouldn't have to check your purse or somewhere else for it. It makes sense to include it. PLEASE include in next update soon. Thanks.

This is a user to user tech support forum. Your comments are best directed here
http://www.apple.com/feedback/

Does this VoIP strategy make sense?

I have a VoIP gateway that is marking packets with DiffServ CS1 and CS2 levels. These packets first hit an internal router that has a GRE/IPSec transport mode tunnel to another router on the public Internet. The internal router uses its FastEthernet port to connect to a second in-house router that has a T1 connection to the Internet. In order to setup some QoS I would like do the following:
1) On the internal router I am not going to setup any actual QoS policies but I want to use the "qos pre-classify" commands on the crypto map and the tunnel interface in order preserve the DCSP info on the IPSec encrypted packets that will be processed by the Internet router
2) On the Internet router I will setup a policy that matches DCSP packets and assigns them to a LLQ using the "priority" command.
Since the IPSec tunnel also carries non-VoIP traffic my objective here is to prioritize only IPSec packets that have voice. Non-voice IPSec and all other traffic will be treated in best-effort mode.
Does my plan make sense?
Thanks,
Diego

Since IOS 11.3T, the TOS bits of the IP header is copied automatically to the TOS bits of the GRE header. However, there was a problem. While the subsequent routers could use this info in the TOS field of the GRE header, the router doing this initial copying itself was unable to prioritize based on the TOS bits. The 'qos pre-classify' command solves this problem. With the command configured, the packets will be correctly classified and the qos policy applied on the headend router too.
The information ultimately copied into the TOS bit of the new header, mirrors the TOS bit in the original header. Also, the TOS bit is copied regardless of the 'qos pre-classify' command.

Currently my internal drive is full due to Aperture. I want to work with Aperture from a external drive verses my internal drive. In addition, I want to back-up my work to another external drive. Is this easily done? Does this make sense? Pros / Cons...

Currently my internal drive is out of space due to my Aperture files. I want to place Aperture on a external drive to work from verses in intnal drive. In addition, I want to back-up all my work to another external for safe keeping. Once I move aperture to the external, I want to delete it off my internal drive. Does this make sense to do? Pros / Cons....

It is common for people to move their Aperture, iPhoto, iTunes etc. files to an external drive when those files become too large to conveniently keep on the internal drive.
The best approach is probably to keep the applications (iPhoto, Aperture etc.) where they are now, but move the files (photos, music, videos etc.) to the external drive.
You should set up a process to regularly backup all the files from both the internal drive as well as the external drive you'll be using. Here are two approaches:
(1) Use Time Machine. You can configure Time Machine so that it backs up both the internal drive as well as the external drive, all to a third separate backup drive. This is done via the Options button in the Time Machine preference pane.
(2) You can use a "cloning" program, such as SuperDuper, Carbon Copy Cloner, to make complete copies of files on your internal drive and that external drive. One way to do this is to use a very large disk for the backups, and to partition it into two backup drives, making one dedicated to the internal, the other dedicated to the external.
Two separate types of backups are recommended. I use both (1) and (2) above, and I disconnect and shut down the clone type backups when not being used. That way a power failure or surge that might destroy the original disk(s) plus the Time Machine backup(s) would still not damage the backups made under (2).
Don't delete your original Aperture files until you have verified that they are working properly from the external drive AND you have made a backup of them.

Went from windows 7 to 8 and now cannot play my previously bought songs.Tried all the recommendations about authorizing but doesn't make sense on win, 8

Hi
I changed over from windows 7 to windows 8 and now my previously bought songs will not play.Tried to follows all the intructions for authorising my computer but can't seem to make sense of them.The instructions don't seem to be for windows 8.Can somebody help?
Thank You
Robert

Hello Robert,
With the latest version of iTunes on Windows, the menu bars are hidden, and it sounds like yours need to be enabled before you can authorize your computer. You can follow these steps to enable the menu bars:
To keep the iTunes menus active, change the setting by selecting the Menu icon in the upper-left, and then selecting Show Menu Bar. Alternatively, you can press Control-B.
You can find the full article here:
iTunes: Turning on iTunes menus in Windows 8 and 7
http://support.apple.com/kb/HT5610
Once you have those turned on, you should be able to go to "Store>Authorize This Computer..." as outlined in this article:
iTunes Store: About authorization and deauthorization
http://support.apple.com/kb/HT1420
Thank you for using Apple Support Communities.
Best,
Sheila M.

I can't access my library on this computer. How do I get support that I makes sense?

What am I supposed to do here? I want to be able to sync my iPod Classic but I can't get any library information. Sorry, but this is getting to be more and more BS. I hope you all enjoy discussing my problem. If anybody can help me, let me know if there is some way to do that. Thank you.

Just so you understand this correctly, this is Support - here. However, your question needs to makes sense, and for that, we (or at least I) need more information.
To add to TheGraywolf's post:
What do you mean by "Can't access your Library on this computer"? If you mean songs that you've purchased from the iTunes Store, have you authorised your computer so that songs download from the Store?
If you can't "access" the Library, do you get an error message when you try? What does it say? (Precise text please.)
Have you previously been able to access this Library?

This doesnt make sense at all -- Equifax drops 20

Similar Messages

Maybe you are looking for