anti-something Posted September 15, 2004 Report Share Posted September 15, 2004 on PG my citi account always comes up as having a 'medium' impact on score, and i cant work out why. it doesnt seem to have any lates reporting, not from what i can see reading real CRs, and i just dont think i've ever paid late.it IS currently sitting at about 50% util, coz its got such a sweeet 3.9% fixed rate on it, but i have another account that is at 90% util (0% is even sweeter) so i dont think its a util problem coz that account always shows as 'low' impact.anyone got any out there suggestions as to why this account thinks its a derog? Link to comment Share on other sites More sharing options...
morrow Posted September 15, 2004 Report Share Posted September 15, 2004 How old is the account. If its fairly new, that may be why. Link to comment Share on other sites More sharing options...
anti-something Posted September 15, 2004 Author Report Share Posted September 15, 2004 it was opened in 1997 Link to comment Share on other sites More sharing options...
Chancy949 Posted September 17, 2004 Report Share Posted September 17, 2004 how are you finding the impact score for the accounts? i just found out about PG so i'm learning how to use it to my advantage.thanks! Link to comment Share on other sites More sharing options...
anti-something Posted September 17, 2004 Author Report Share Posted September 17, 2004 in the 'credit score' part of the report it says which accounts have either a high, medium, or low impact on score. Link to comment Share on other sites More sharing options...
Chancy949 Posted September 17, 2004 Report Share Posted September 17, 2004 Thanks, got it Link to comment Share on other sites More sharing options...
admin Posted September 17, 2004 Report Share Posted September 17, 2004 I'd be interested in seeing what they think is of importance... Link to comment Share on other sites More sharing options...
Chancy949 Posted September 17, 2004 Report Share Posted September 17, 2004 so what does it mean? when I read the post....... it sounds like high impact is a negative thing, but that's not how I would understand it. I would think that high means that if anything happens it is weighed more heavily on the score.My husband and I have the same citi bank card account. his is HIGH impact, mine is low........wierd. Link to comment Share on other sites More sharing options...
anti-something Posted September 17, 2004 Author Report Share Posted September 17, 2004 you got it right, whatever it is just weighs more heavily on your score, positive or negative.the reason the impact is different on both your CRs has to with what other information in on there. such as one late on an account on your CR when you have plenty of other good accounts, will not be as negative as if that was your only account. Link to comment Share on other sites More sharing options...
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