18 point drop

[Anonymous]

Yesterday my EX score was 628 and this morning it is 610! I am not sure why it would drop. No new inquiires between yesterday and today. None of my accounts have updated balances. The weird thing is on CCT is shows 610 and once I review my report is shows 628. Guess I will have to work to get it back up.

This feeling sucks. I was 615 for the whole month of July and now this.

Has this ever happened to anyone where your score drops and have you dont know why? Its not like a collection was added or something.

[Anonymous]

Have you disputed anything recently?  Sometimes that will happen if you dispute and the account information is added back on.   Pull your reports and check every detail.

[Anonymous]

I didnt/havent dispute anything. Nothing has been added back on. No new inquiry since last week. I had two new accounts added earlier this week, but my score went up 5 points. My UTi is 29%. 

Everything on my reports, collection and charge offs, have been on there for quite some time. Im so confused as to why the dropped.

so frustrating.

[RobertEG]

Did a creditor or debt collector file a monthly update on a delinquent debt, even if they reported no changes?

If an update is received on a CO or collection account that remains delinquent, FICO views that reporting as an affirmation that the account remains delinqent, and it effectively extends the period of delinquency in its scoring.

[Anonymous]

I checked again and found out what happened. Fingerhut posted with $35 (17% UTI) and my utilization went up to 30% overall. Last month it posted $0.

Just horrible

[Sbrooks1]

The good thing is uti has no memory, pay it down, you get the points back😍😍