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Confused!! Credit drop

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Anonymous
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Confused!! Credit drop

I'm totally confused. So I got an alert from credit carma this morning. 3 collections was removed from my transunion (per credit karma). My credit score on there dropped 12 points. That's crazy. Why would that happen? I'm gonna pull my scores from here. Do myfico offer any promo codes?

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ERoosky99
Regular Contributor

Re: Confused!! Credit drop


@Anonymous wrote:

I'm totally confused. So I got an alert from credit carma this morning. 3 collections was removed from my transunion (per credit karma). My credit score on there dropped 12 points. That's crazy. Why would that happen? I'm gonna pull my scores from here. Do myfico offer any promo codes?


Did other information on your report change (e.g., increase in the utilization on your credit cards, additional inquiries, late payment)?  How many total accounts are reporting on your TU credit profile?  I have had times when my FAKO scores dropped while my FICO scores increased simultaneously.  For example, my Equifax FICO just went from 618 to 626 recently due to an improvement in my overall credit card utilization; at the same time, my Equifax score with Quizzle dropped from 646 to 631 (AT THE SAME TIME).  Honestly, if the lenders are not checking your FAKOs then it really doesn't matter.  You want to see the improvements with your FICO scores.

Current FICOs: (11-02-15) EQ- 623 (628) / EX- 643 / TU- 679
Starting FICOs: (May 2014) Low to mid 500s (all 3 bureaus)
GOAL: As HIGH as possible! All 3 FICOs above 680/700 will be NICE!!!
Total Credit Limits- $104,120
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