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Valued Member
Posts: 26
Registered: ‎09-17-2012
0

Re: Guess the cause of my score drop

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

Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Guess the cause of my score drop

Smiley Very Happy


CadillacMack wrote:

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


Smiley Very Happy



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Guess the cause of my score drop

My guess would be util as well.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Guess the cause of my score drop

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)

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Valued Member
Posts: 87
Registered: ‎11-28-2012
0

Re: Guess the cause of my score drop

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)
Blogger
Posts: 3,360
Registered: ‎10-19-2012
0

Re: Guess the cause of my score drop

[ Edited ]

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

 

I'll drop another hint:

 

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

Established Member
Posts: 48
Registered: ‎11-20-2012
0

Re: Guess the cause of my score drop

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!
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Guess the cause of my score drop


HiLine wrote:

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

 

I'll drop another hint:

 

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


and yes utility can cause THAT big of a damage Smiley Tongue


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Re: Guess the cause of my score drop

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

Valued Contributor
Posts: 1,103
Registered: ‎02-15-2012
0

Re: Guess the cause of my score drop

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: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
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