Walmart Fico confusion

[drewrico]

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?

[Anonymous]

Utilization maybe?

[drewrico]

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@Anonymous wrote:

Utilization maybe?

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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.

[CashOnDelivery]

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.

[takeshi74]

^ This.  You really need to look at your reports.  It could be any number of things and even a combination of things.

[Gunnar419]

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@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.

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+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.

[drewrico]

whats the best service to use or a good place to buy a transunion credit report?

[kilj0y]

Do you PIF before the statement cuts or after the statement? Because if its after the statement it's still going to affect your util as what the statement balance is what's reported to the bureaus