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so with my walmart card i get the free tu fico08 score a month. for some reason on there my score keeps going down each month, i cant figure out why because there should be nothing negative on my credit reports. any advice?
Utilization maybe?
@Anonymous wrote:Utilization maybe?
if anything my utilization is going down because i pif each month on all my credit cards except for my best buy card that i financed a macbook pro on, but i keep paying that off.
It could be an old TL that dropped and possibly lowering your AAoA. Possibly a bogus collection surfaced or a dispute came back verified. It's really hard to say without comparing your reports.
^ This. You really need to look at your reports. It could be any number of things and even a combination of things.
@CashOnDelivery wrote:It could be an old TL that dropped and possibly lowering your AAoA. Possibly a bogus collection surfaced or a dispute came back verified. It's really hard to say without comparing your reports.
+1 You need to take a look at your credit reports. If you're not subscribed to a service that lets you do it, get your free ones from annualcreditreport.com and see what's on them.
whats the best service to use or a good place to buy a transunion credit report?