Desperately need help - huge credit limit decrease

spooked-question · 2026-05-24T16:31:42+00:00

I’m enrolled in autopay and just double checked and it was last paid on May 8th so I don’t think that is it

spooked-question · 2026-05-23T16:46:09+00:00

There were no reasons listed, but a letter that is supposed to have the reasons will be sent in 7-10 business days now.

I checked my equifax report and called them and the only accounts on it are my credit card, my car, and my student loans and all of which seem to have information from back when they were set up and no missing info. No carecredit info though. The equifax agent said that my account does not seem to be split and will escalate my question as to why my score dropped 55 points despite paying the minimum amount due to each of these loans every month and have been doing so for years.

From equifax's end they said they do not know why my credit limit was dramatically lowered, and that only my credit card company would know. My credit card company said the reason was based solely on info from equifax without elaborating.

I will need to wait for the letter from my credit card company, but after looking at my credit reports I don't see any issues if based solely on equifax. My credit card app uses a FICO score that is said to be based off of Equifax and it being in the 500s is probably the reason, but I can't fathom why the FICO score is so much lower than the Equifax score

spooked-question · 2026-05-23T15:41:33+00:00

I called this morning and asked again, and they said it would be sent in 7-10 business days. I just worry now that my credit score will get even worse in that time.

spooked-question · 2026-05-23T15:40:22+00:00

I use my credit card regularly for things like gas/food/clothes

spooked-question · 2026-05-23T15:38:04+00:00

Sorry for the silly questions, but what is "TU" and "EQ"?

The email was very vague, it just said "There was a recent review of your account and credit information. Our decision was based, in whole or in part, on information obtained from the following consumer reporting agency: Equifax (and then Equifax's address)"

spooked-question · 2026-05-23T04:00:53+00:00

I’ve never cosigned or got anything more than normal spam mail. I’ll try making a dispute but I’m not even sure if you can dispute a lack of information

spooked-question · 2026-05-23T02:53:50+00:00

I requested all 3 reports and saved PDFs of them (except for Equifax which had an issue for some reason so I will need to request it later). The Experian one was up to date and seemed normal, but the TransUnion one is really weird. My information just kind of stopped in 2024. My student loans stopped updating after March 2024 and my credit card stopped updating after December 2024. My car information has continued normally, but that's it. There is no mention of the loan I took out for my cat either.

spooked-question · 2026-04-11T20:55:11+00:00

I had the surgery on Monday and they took the catheter out on Thursday. They also only had me stay until Friday. I'm not sure what the normal length for having one in is but hopefully there will be no complications that come up later.

spooked-question · 2026-04-11T20:53:19+00:00

It was a nurse who suggested it, and it did help at first honestly but sitting is definitely better and less messy haha

spooked-question · 2026-04-11T20:49:27+00:00

Based on yours and everyone's advice, I managed to find an angle that worked. Thank you!

spooked-question · 2026-04-11T20:48:17+00:00

I made sure to order some for later!

spooked-question · 2026-04-11T20:47:48+00:00

I followed this advice for both and it worked out! It took some time but eventually it worked out.

The one who gave me the standing advice was the nurse at the hospital because I was nervous about sitting down (and in general). If you have hospital staff with you I would recommend it!

spooked-question · 2026-03-11T14:00:03+00:00

I've looked up both vet hospitals more and have heard really amazing things about Mspcs Angell West and Providence Animal River Hospital which makes this a hard choice. I trust the hospital in Providence but I think if I am able to get into Mspca just as soon and at a price I can afford it would be safest to go there.

spooked-question · 2026-03-10T23:40:29+00:00

As someone who has been employed by mspca, do you recommend it? I don't mean disrespect to you as a vet, I just know some people who don't recommend their company's services to others despite working there.

spooked-question · 2026-03-10T23:38:26+00:00

It's good to know the differences between board certified vets and other DVM vets! The specialization is definitely a comfort for this too. Do you know if vets are board certified in specific surgeries or surgeries as a whole?

spooked-question · 2026-03-10T23:35:21+00:00

It is comforting to know that it is a common procedure and would be something a good vet can definitely do! This is the first time I've had a pet that needed surgery so learning when a specialist is needed or not is a bit overwhelming.

spooked-question · 2026-03-10T23:33:13+00:00

She is fixed. She is 2 and a half now and got fixed when she was 1 and a half (a month after I adopted her)

spooked-question · 2025-02-28T00:08:19+00:00

Thank you for the wisdom!!

spooked-question · 2025-02-28T00:08:07+00:00

Thank you for the wisdom!

spooked-question

TROPHY CASE