topic Re: 2 point drop? in Rebuilding Your Credit

2 point drop?

madmann26 — Sat, 17 Nov 2012 22:24:08 GMT

I cant find out why this happened. Any ideas?

Re: 2 point drop?

Shogun — Sun, 18 Nov 2012 00:08:59 GMT

I see that too sometimes, little fluxuations up and down. Sometimes I have no idea what's causing it.

Re: 2 point drop?

sphinx313 — Sun, 18 Nov 2012 00:24:18 GMT

Inquiry? Slight increase in utility?

Re: 2 point drop?

madmann26 — Sun, 18 Nov 2012 00:32:04 GMT

Nope. Zero change.

Re: 2 point drop?

sphinx313 — Sun, 18 Nov 2012 00:36:01 GMT

The system probably saw you trying to better your credit and decided to bring ya down a notch. Ya know, remind you who you're dealing with lol.

Re: 2 point drop?

madmann26 — Sun, 18 Nov 2012 00:36:43 GMT

Lol

Re: 2 point drop?

Shogun — Sun, 18 Nov 2012 01:23:38 GMT

OK. I laughed at that one. :)

Re: 2 point drop?

TrishN — Sun, 18 Nov 2012 01:29:32 GMT

With my understanding 2 pts drop because you log in myfico forum too much. Am I right?

Re: 2 point drop?

llecs — Sun, 18 Nov 2012 01:32:43 GMT

madmann26 wrote:
I cant find out why this happened. Any ideas?

How did you find out about the change?

Re: 2 point drop?

nicholasyud — Sun, 18 Nov 2012 01:32:47 GMT

TrishN wrote:
With my understanding 2 pts drop because you log in myfico forum too much. Am I right?

+1 lol

Re: 2 point drop?

hoping2rebuild — Sun, 18 Nov 2012 14:04:13 GMT

TrishN wrote:
With my understanding 2 pts drop because you log in myfico forum too much. Am I right?

Well if that's the case I should have negative scores now :(

lol

Re: 2 point drop?

madmann26 — Sun, 18 Nov 2012 19:36:27 GMT

llecs

It was an alert from myFico.com.

Re: 2 point drop?

HiLine — Sun, 18 Nov 2012 19:44:02 GMT

Lol

Re: 2 point drop?

llecs — Sun, 18 Nov 2012 22:40:45 GMT

madmann26 wrote:
llecs

It was an alert from myFico.com.

Take myFICO alerts with a grain of salt. Remember, it alerts you to a net score change as opposed to an alert for a specific reason. It'll throw out the best guess per the score change, but isn't always spot on. Keep that in mind. It could be any number of things.

If relying solely on an alert, it might be worth pulling EQ from somewhere to look for changes. Two points is nothing in the scheme of things. Your score can change daily and you'll see many more increases or decreases like this. I'd look at a new EQ report for changes like balance increases, a dispute comment, changes in status dates, a CLD, status changes, and many more as any of these can drop your scores

Re: 2 point drop?

madmann26 — Sun, 18 Nov 2012 22:42:20 GMT

Thanks llecs!!

Re: 2 point drop?

madmann26 — Sat, 01 Dec 2012 02:15:27 GMT

*chuckle*

I got those 2 points back today.

Re: 2 point drop?

Duncanrr — Sat, 01 Dec 2012 02:38:45 GMT

I gained +2 pts every time I convince someone to drapp. (I am employed by the devil after all.)