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Credit dip with no change on report?

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Anonymous
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Credit dip with no change on report?

I lost three points on my trans union which isn't a lot unless you're me Smiley Happy nothing changed at all, any rhyme or reason to this?
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TRC_WA
Senior Contributor

Re: Credit dip with no change on report?

None that I've ever figured out.

 

An account that was previously reporting $0 balance can trigger a score change for $1 reporting.

 

$1.

 

Nothing to lose sleep over.  FICO scores aren't constant...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
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