Re: Guess the cause of my score drop

CadillacMack · ‎09-17-2012

By NOT shopping on black friday! So you had to pay higher prices for things

Swapmeet · ‎11-10-2012

CadillacMack wrote:
By NOT shopping on black friday! So you had to pay higher prices for things

My Wallet: WalMart: ||1,600|| USAA Platinum CR MC: ||7k|| Amex Delta Gold Skymiles: ||2k||; BCE: ||3k|| Chase Freedom: ||2k||
Lender pulled Fico Scores: EQ 708,TU 702, EX 696 Last app: USAA CLI 5-27-13

Epcot · ‎10-10-2012

My guess would be util as well.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

FrugalRican · ‎02-02-2012

Reeeeeeeebuuuuuucketing.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

GangnamFICO · ‎11-28-2012

Significant reduction in a credit limit sending utilization soaring. (or a late pay hit)

Walmart TU Score 740
Chase Freedom($5000); CitiThankYou Preferred($5000); GEWM Discover($3500); Walmart Store($1300); AMEX Gold; AMEX BCE($6000); GE Discount Tire($1500); Mor Furniture ($4700);Cap1($750)

HiLine · ‎10-19-2012

Many people pointed to utilization. Think utlization could cause such a huge damage?

I'll drop another hint:

Hint #2: my utilization right now is around 40%.

---> HiLine's personal finance blog - Follow my journey!

anthill927 · ‎11-20-2012

you missed a payment or was late on one, thats the only thing that couldve brought it down that far. lol

I want to be in the 700s again!

distantarray · ‎09-25-2011

HiLine wrote:
Many people pointed to utilization. Think utlization could cause such a huge damage?

I'll drop another hint:

Hint #2: my utilization right now is around 40%.

and yes utility can cause THAT big of a damage

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

djrez4 · ‎08-28-2012

Your loss in the recent election caused the rating agencies to downgrade you. Mitt?

crunching_numbers · ‎02-15-2012

Too many cards with balances?

Is no one correct yet? I would have guessed a baddie or rebucketing, for something stupid like your last inquiry is now a year old, so you are not seeking credit, therefore rebucketing yoU, or your last baddie falling off and now you are being thrown into the bucket with the blemish free folks.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 771 TU98 , 826 TU08 FICO, 752 EQ FICO , 735 EX(9/12), 794 EX08 FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)

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Re: Guess the cause of my score drop