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90 point drop.

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Lasardo
Established Contributor

90 point drop.

My credit score dropped 90 points after a VS card was added to report. 

I am  struggling with the idea that I even got the card ... I had applied several months ago and was denied so I wrote a letter and was reconsidered with a $450 CL. 

other than that NOTHING has changed. I have no credit, I would have thought a regular CC would have improved my score?? 

CS 728- 01/13 from 554-12/11
Goal: 800
Message 1 of 8
7 REPLIES 7
DaveSignal
Valued Contributor

Re: 90 point drop.

What balance is it reporting?

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 2 of 8
llecs
Moderator Emeritus

Re: 90 point drop.

Is this a FICO?

Message 3 of 8
Lasardo
Established Contributor

Re: 90 point drop.

No balance
CS 728- 01/13 from 554-12/11
Goal: 800
Message 4 of 8
Lasardo
Established Contributor

Re: 90 point drop.

This is Off CK I know it's not myfico but even so it dropped ALOT
CS 728- 01/13 from 554-12/11
Goal: 800
Message 5 of 8
llecs
Moderator Emeritus

Re: 90 point drop.

Your FICO could have increased by as many. Definitely don't put your faith in a FAKO.

 

ETA...well maybe not as many, but if you have no CCs, I bet FICO increased 30-40+.

Message 6 of 8
DaveSignal
Valued Contributor

Re: 90 point drop.

lol.   credit karma is not even close.  It doesn't even grade all the same aspects of your credit report.  You can't base anything off a score from Credit Karma, I had originally thought you were talking about a real FICO.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 7 of 8
Repo-ed
Senior Contributor

Re: 90 point drop.

Trust FICO scores, not FAKO scores

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 8 of 8
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