Change in Score/Student Loan Forgiven for Disability/Derogatory Info Falling Off

[Anonymous]

greetings.

1.  my score appears to have dropped 6 points, and the only changes on my accounts was drcrease in mortgage balance and closing of two 5-figure student loan accounts, due to disability.  could the latter cause my score to drop?

2.  my score is estimated by credit carma at  645.  regardless of the validity of this credit carma score, i do have multiple derogatory items on my report, hence the estimated  score.  (no bankruptcy or student defaults, it's all credit cards.)  the derogatories will all lapse in about 180 days.  then i will have no derogatory info on my report.  any ideas how this will affect my score?

3.  where can i buy a credit report online without trial membershps?

thank you!

[pizzadude]

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@Anonymous wrote:

greetings.

1.  my score appears to have dropped 6 points, and the only changes on my accounts was drcrease in mortgage balance and closing of two 5-figure student loan accounts, due to disability.  could the latter cause my score to drop?

2.  my score is estimated by credit carma at  645.  regardless of the validity of this credit carma score, i do have multiple derogatory items on my report, hence the estimated  score.  (no bankruptcy or student defaults, it's all credit cards.)  the derogatories will all lapse in about 180 days.  then i will have no derogatory info on my report.  any ideas how this will affect my score?

3.  where can i buy a credit report online without trial membershps?

thank you!

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Welcome to the forums !

I wouldn't worry about your CK score, it is a FAKO score and has its own scoring rules that don't correlate to FICO scoring.     Have you pulled a FICO score to know where you stand ?

I believe that you can sign up for the FICO scorewatch service with a free trial ~that would give you a FICO score and report from EQ.

If you want to purchase a credit report, you can purchase directly from any of the three CRA's websites.