@the_heat_love wrote:
It did drop one of my mortgage scores 28 points... My middle score is unaffected so far but the account hasn't aged off of it yet... It should this month though. We aren't scheduled to close until the end of the month.
Ugh that's not good. What are your scores now?
If you're dropping from 800 to 770, it might not make much difference (most people qualify for the best rates with a 750+ scores). However, if it drops you from 700 to a 670, that could be a big problem, especially with the PMI rate (but also the interest rate on the loan).
I would talk to your LO right away. Knowledge is power and he/she may be able to help you avoid disaster. Better they know now than have something pop up 2 days before the closing.
Anyway you can move up the close?
Can't move up closing, it is a new build! I'm guessing I was rebucketed? It is still showing my account age the same.I can't believe an old account falling off could affect my mortgage score so much 
@StartingOver10 wrote:You shouldn't worry.
According to your post, your middle score didn't change - it is still your mid score of the 3, right?
If so, then you have nothing to worry about as there are no changes to your profile as far as the lender is concerned.
When the lender pulls your credit at the end, and not all of them do so, they are looking to make sure there is no additional credit activity by you such as adding TL's and debt for new cc's or furniture or anything else.
That is not what happened in your case so don't worry about it.
I had posted a question about score changes a couple of weeks ago and was told lenders can change terms of a loan (i.e. change rate) if a score went down below one of the thresholds (say 701 to 698 thus going below the 700 threshold). Based on your post, are you saying this would not be the case?