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Why would score drop in 45 days? With regular fico going up.
10-24 applied to CO and was given a $30k loan @9% with an EQ 537 AH score. Didn't take. Then on 12-16, after a 42 point increase on regular fico scores and no later or any thing negitive happening reapplied and was approved for $30k but @ 20%!! And a score of 505 from EQ...any help or ideas? Scores will be over 700 by March and I plan to try again, but it doesn't seem to matter.
My only theory would be you applied for an auto loan so your auto enhanced score took a hit. Your regular FICO score may have also taken a hit at the time, but since that takes your entire credit profile into consideration it was able to recover more quickly.