Guess the cause of my score drop

[guydiver]

Your $15,000 Crap1 limit was corrected to the actual $150 CL when they figured out their mistake.

[pdog661]

Applied for a Macy's card for black friday and maxed it out same day.

[HiLine]

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@guydiver wrote:

Your $15,000 Crap1 limit was corrected to the actual $150 CL when they figured out their mistake.

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Holy Crap!!!

[improvingmycredit]

My guess: you are an AU on a relatives account.  Probably your oldest account reporting.  The primary allowed a neg to report.  Or- the utility was run up high on this account.  It's your highest reported limit causing your utility to skyrocket.  Or a combo of the both.  Or last but not least- the primary just closed the account or you are no longer a AU on it pushing your utiltiy up and AAoA down.  That's my guess.

[AZHeather]

I am going to guess that you let a card (with good cli) go stale and they closed the account and removed your tradeline.  You lost an aged card and the CLI.

[cem13]

It has to be a combo.  I say a bad collections, plus he is an AU on another account that went late/bad.  He called the bank and demanded that he be removed from the AU account.  The bank agreed and will report this ASAP.  Score will go back up tomorrow.

I had something similar happen to me.  I had dropped from a class and was waiting for the Registar to report how much I owed (20%  or 33%).  The Business Office billed me the full amount.  They put me in collections.  My score dropped 50 points.  I called the Businees Office back, who called the Registrars Office and I was billed out at 20%.  I put a down payment and received a $7 refund.  The CA corrected all of my accounts within 24 hours.

[HiLine]

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@Duncanrr wrote:
He got busted by his employer for supplying classified documents to Wikileaks.

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Oh noooo!!!! Dang! I had a feeling this would eventually happen...

The clock is ticking....

Hint #4: it is a combo  

[Rhaeny]

Okay, I'll make a wild guess here.  One of your oldest accounts fell off and at the same time a new credit item with a balance appeared which reduced your AAoA and increased your utilization.

[Mustangfrank]

Your EX reported you to the IRS because you were having an affair with her sister (or brother) 

She/He tells the IRS you were laundering money through your credit cards !

Oh Wait......that was me :-(

[djrez4]

You pre-purchased all of the items in the song Twelve Days of Christmas.  Cost this year: $107,000.