Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 155
Registered: ‎06-12-2007
0 Kudos

Score Dropped 6 points

[ Edited ]
My score dropped 6 points..What happened?
 I can't figure out why my FICO dropped.. I didn't want to pull down another score power. If I notice a couple of consecutive drops the next few months... I'll pull it...
Is it possible a couple of my accounts have aged? I was looking at my credit report I pulled a few months ago. It appears two of my accounts are now 2 years old. I THINK FICO uses a slightly different formula when accounts age over 2 years.
A money transfer didn't get into my checking account fast enough. I moved money in my account from Overdraft Protection. After I moved the money, I discovered I was over my limit by $2.00..
I used Overdraft Protection for a day before I paid it back. Actually it was more like 20 hours..Is it possible the bank reported me over the limit??
Someone checked my credit?
My alerts are not showing anything in Score Watch. Any ideas why my score dropped? I suppose a score can jump up and down much like the stock market. Just trying to figure out what happened so I won't need to get a Score Power?

Message Edited by Pants on 06-26-2007 03:43 AM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0 Kudos

Re: Score Dropped 6 points

Minor fluctuations are normal. I wouldn't worry about it.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.