No idea why - 32 pt JUMP, 661 EQ

[Duncanrr]

Figured out reason, I think. My last late occurred in March so this month makes it 6 months since last late. Could that alone caused this jump in scores?

[LIGHTNIN]

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@Duncanrr wrote:
Figured out reason, I think. My last late occurred in March so this month makes it 6 months since last late. Could that alone caused this jump in scores?

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 I believe 32 pts, is a too big of a jump for a 6mo reported late.                                                                                                                                                                                                      

 How about your utilization. Any changes, in reported balances?

[Duncanrr]

No change in utilization. I had $6 on WF and let that report zero balance and had zero on cap1 and let that report $50. AAoA didn't change and nothing fell off. July 2011 was last 90 day late (only have two showing and one 5 years old). Maybe that being over a year old contributed to it?

[chasmith]

Putting the last delinquency beyond one year should help, but not 32 points IMHO.

It could be that you were "rebucketed" because you've cleaned up so many negatives, and none are within one year.

[Cadillac-XTS]

Congrats