No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Yep, you've been re-bucketed.
@illcrew3 wrote:I have been diputing a couple items. I did get the same 2-5 year messge. So basically this is gonna be my new score for a while. I had so much fun being in the 700 club for 2 weeks. I got the inquiries removed by online disputing.
haulingthescoreup wrote:
OK, here is one sobering possibility: you have a split file. This happens when the file gets so big that it breaks up electronically. One part might have a lot of good stuff, and the other part might have a lot of bad, and so the scores from each would be very different. Another poster a month or so ago had something like a 110-point swing!
The fact that your score went back up exactly the same number of points makes it sound like either a split file, or the CRA had an electronic hiccup during the earlier pull and a wrong score resulted, and now it's better and things are back to normal. You should probably hope for that second one.
Split files can happen for several reasons, one being frequent credit report pulls. I figure it's coming my way, although my file isn't all that big. If it keeps happening, you'll have to get the CRA to pull it back together again.