Reply
Valued Member
CadillacMack
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 :smileytongue:

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

Re: Guess the cause of my score drop

:smileyvery-happy:


CadillacMack wrote:

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


:smileyvery-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: ||5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||
Citi Double Cash ||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
Epcot
Posts: 2,784
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 809 EX 774 TU 805
App free since 4/11/13
Blogger
FrugalRican
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)

Valued Member
GangnamFICO
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
HiLine
Posts: 2,905
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? :catwink:

 

I'll drop another hint:

 

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

Established Member
anthill927
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
distantarray
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? :catwink:

 

I'll drop another hint:

 

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


and yes utility can cause THAT big of a damage :smileytongue:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
djrez4
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
crunching_numbers
Posts: 1,093
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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard 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)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+