http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833997#M68619 <p>OP, how did you find out about the CL increase? Did you get the score from the same service as the one that provided the alert to the CLI?</p> Fri, 25 Jan 2013 22:41:17 GMT llecs 2013-01-25T22:41:17Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833153#M68611 Help me understand. My score was a 621 and it dropped to 614 today. The alert said there was no changes to my CR, but may be due to a balance limit increase.<br>However there was no increase I am very carefull now to pay off my 2 credit cards every month before the statement. If anything my debt is less so why the sudden drop with no changes on my report? Fri, 25 Jan 2013 12:55:59 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833153#M68611 Freakshow77 2013-01-25T12:55:59Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833907#M68618 <p>My immediate thought is that something DID change.</p><p> </p><p>Did you have a balance on one of your cards last time you pulled your score?</p><p> </p><p>If you did, and you've since paid the debt to ZERO, that will actually LOWER your FICO score...</p> Fri, 25 Jan 2013 21:43:06 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833907#M68618 tcbofade 2013-01-25T21:43:06Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833997#M68619 <p>OP, how did you find out about the CL increase? Did you get the score from the same service as the one that provided the alert to the CLI?</p> Fri, 25 Jan 2013 22:41:17 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1833997#M68619 llecs 2013-01-25T22:41:17Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843349#M68764 I got the alert from score watch but like I said there was no balance increase. Everything is paid in full every month. But I also found out my credit councilor was disputing a few things on my report like being improperly coded items. So I'm guessing that's why the drop. Aperantly it hurt me more then it helped. Wed, 30 Jan 2013 16:39:59 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843349#M68764 Freakshow77 2013-01-30T16:39:59Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843389#M68765 <p>SW doesn't alert you to CLIs. That's why I asked. Disputing accounts can lower your FICO in some scenarios.</p> Wed, 30 Jan 2013 16:56:08 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843389#M68765 llecs 2013-01-30T16:56:08Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843399#M68766 Yup. I see that now. Ty llecs Wed, 30 Jan 2013 17:04:49 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-did-my-score-drop/m-p/1843399#M68766 Freakshow77 2013-01-30T17:04:49Z