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7 point drop with no reason?

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7 point drop with no reason?

I received a FICO alert on my report on the 1st. I thought it would be an increase since I had been sending out gw letters to remove lates on my account, but instead it dropped 7 points! 

 

The reasons they state are the following:

 

This score decrease may be caused by these 4 new reasons:

  • You have a serious delinquency (60 days past due or greater) or a derogatory description on your credit report.
  • You have multiple accounts showing missed payments or derogatory descriptions.
  • You’ve recently missed a payment or the date of your most recent missed payment is unknown.
  • You have a short credit history.

I have not had any new late payments that I know of, and since the last time I ran my report my mortgage payments were only reporting until the October payments, so I thought my score would only increase. 

 

What other reasons could their be? If there was a new collections on my report wouldnt the score watch pick that up? 

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