Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0 Kudos

Re: TU dropped 91 pts!!

I will guess that she has not opted out and the CRA's sent alerts to creditors and  an old collection or something popped up.  All the new account activity would definitely cause a "trigger".  I bet something popped up on TU that hasn't on EQ.  They both should have dropped if it was from the AU accounts.



STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Posts: 141
Registered: ‎02-11-2012
0 Kudos

Re: TU dropped 91 pts!!

I think my accts are what killed her score, the difference between her TU and EQ are the new accts. what should we do??? Should I take her off or score will bounce back in 6 mos time? we just finished paying off everything so 0$ balance on all cards now.
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0 Kudos

Re: TU dropped 91 pts!!

You should probably leave her on the accounts until the payments reflect anyway. One of the FICO scoring parameters is number of accounts with balances. So the paid accounts will drop that negative. If her score drops on the other report when the new accounts are added in then it is a simple matter to get them removed from her reports. But judging by the ages of the accounts you added her to and her own relatively new accounts it is not an AAoA issue.


If you find the need to drop them from her reports just call the individual creditors and request her AU status be terminated and then dispute the accounts with the credit bureau as "Not my account" and they will drop them. You may not want to drop them all at once. Take a look at which ones may be newer and drop them one at a time.


Also as has been suggested go over her report very carefully and make sure no new negative information has appeared between the two reports. That is a large difference without negative info. These were FICO reports from this site correct?? FAKO reports could have you both up in arms about false score changes.

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

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.