There's likely nothing to "fix". The scores are all automated and can vary drastically with requests for new credit.

Just take a deep breath and wait a couple of months. You will very likely see your score start to recover in around 30 days--and a little more each month after that.

Because they make commission on assets under management (AUM). When you remove funds to do other stuff with, their commission goes down. It's really as simple as that.

That's why you see so many threads here asking how to move funds away from EJ to another broker (usually, Fidelity or Vanguard)--no huge annual fees.

No offense, but why are you roommates with a non-college student?

In any event, double check your lease--many times college students are treated as separate tenants with separate agreements for this very reason.

There is never a "gift tax" to the receiver, even though it is a common misconception.

There *could be* a tax consequence to the giver, depending on their overall lifetime gifting amounts, but since everything is part of a trust, it's even more complicated than that because the trust has its own EIN and tax filings.

You probably need to talk to a CPA or estate planning attorney.

>I own the house with my sister as we purchased it in 2018 before prices skyrocketed

So, is this sister one who is not currently working?

There is a saying around this sub: "don't set yourself on fire to keep others warm".

You're 25. You have your whole life ahead of you, but you simply cannot let non-working adult-age siblings live in a house *you* own and are paying for.

Anyone of working age who isn't paying rent needs to be evicted yesterday. And not trying to be rude, but even at $15/hour, if your parents aren't making enough to handle $1300 dollars a month, they aren't working enough.