This is interesting. My bankruptcy was discharged in 2002. Since then I have had credit cards (cl -9.000, 3250, 2950, 1000) ,personal loans (10,000) , auto loan (10,000). Paid off auto loan, personal loan and paid down credit cards from (16,000 down to 5,600). Six years flawless. No late or missed payments.. My PFICO is now at 740,. Experian Fico at 735 and Equifax at 702. Everything is looking bright. However, I recently and inadvertently missed one small payment on my Macy's card which ended up as a thirty day late ...I thought . I called Macy's and because I never missed a payment since 1987 said they would have it removed. This request was only a few days ago.
So now I have this Juniper Card with a Transrisk score that doesn't move. It's been at 645 for 4 straight months . About a week ago it suddenly changes to 690 which I thought was okay for this FAKO score. Now keep in mind that this score hasn't changed in months. Then two days after it changed from 645 to 690 I get another email saying it has changed again. It plummets to 560...a drop of 130. My credit score didn't drop that much after my bankruptcy.
So I'm thinking that my 30 day late with Macy's must have hit. But still, a drop of 130. So I pull a copy of my Transunion credit report and its not even reporting the 30 day late. It's not reporting anything late since the Bankruptcy almost six years ago.
I think I just need to finish paying off what's left of my debt and never borrow again.
