Credit score from Credit Karma went down from 620 to 587 in two weeks **bleep**???

[jarablue]

I have high credit utilization. One credit card at 94%. And two negative loans just dropped off my report. Twon weeks ago my credit karma score was 620 now it's 587. Nothing happened except me looking at my CU and those 2 negative score drops. What the hell happened? Please help!

Thanks

[EAJuggalo]

CK scores are Vantage score, not FICO.  Sometimes weird things happen in the algorithm and some things are weighted differently.  If the negative loans dropped off that may have hurt your AAoA and/or credit mix.  Add in the utilzation rise and scores could drop quite a bit.  Check your FICO and see what that says, or reduce your utilization and see if that helps.

[GirlMelanie89]

Take CK's score with a grain of salt. They're usually wayyy off. My score is 542 with them, while my FICO score is 618. And that's with a 83% high utilization as well. No worries. 😊

[Thomas_Thumb]

---

@jarablue wrote:

I have high credit utilization. One credit card at 94%. And two negative loans just dropped off my report. Twon weeks ago my credit karma score was 620 now it's 587. Nothing happened except me looking at my CU and those 2 negative score drops. What the hell happened? Please help!

Thanks

---

VantageScore does not like high card utilizations - particularly above 90% which is considered max out territory.. A 40 to 50 point ding due to a card "max out" is not out of the ordinary particularly if your credit history is thin/young. What's your aggregate CC utilization?

See below from CK regarding utilization. The table speaks to aggregate utilization but also applies to a lesser degree on a per card basis.