FICO down????

[sailon]

5/23 TU FICO  626

Paid off Cap1 account = 0 balance

Had public record removed

5/26 TU FICO  616

I think this credit "game" as people like to refer to it is like playing a card game against a dealer with a "stacked deck". I'm an adult and as such take responsibility for my decisions and actions. I think its time for the CRA's to take responsibilty for their actions. 

[EDub357]

How did you find out your scores went down?  Did you get a SW alert?

[sailon]

No - I pulled my TU om MyFICO today

[EDub357]

I'm dealing with the same thing right now.  I had a dispute scheduled to be completed on 5/23 and I want to know what happened with my score.  But I haven't pulled my report as of yet. 

[sailon]

Well, don't be surprised if it doesn't go up. Like I said if I'm going to live with my decisions(good and bad) the least I should expect is to be rewarded when I do something right.

[EDub357]

I perfectly understand.  About to pull my own report will let you know the results.

[EDub357]

106 point increase!!! I've joined the 700 club!!!

[sailon]

Congrats! How did you do that?

[EDub357]

One bad account got deleted.  My score is shallow but it's still good

[llecs]

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sailon wrote:

5/23 TU FICO  626

Paid off Cap1 account = 0 balance

Had public record removed

5/26 TU FICO  616

I think this credit "game" as people like to refer to it is like playing a card game against a dealer with a "stacked deck". I'm an adult and as such take responsibility for my decisions and actions. I think its time for the CRA's to take responsibilty for their actions. 

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Was the CapOne deleted or very recently disputed? If so, that could cause your score to drop due to a change in avg. history.

I'd also look over your other accounts. Maybe utilization as a whole increased causing the drop. Maybe an account was re-aged or updated. Maybe the removal of the PR, if your only one, caused you to be re-bucketed.