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Basically have went from low 500s with 25+ collections to 610-620 and 2 neg accounts. For the last few months I have been lowering my util ratio, making sure nothing goes late, no inquires, doing everything I "think" should be done and score has been crawling up +4-8 pts each month, until this month. -10 pts. .....util ratio down, balance on accounts down, no inquires, no deliq accounts added..no visible reason as to why score went down.....frustrating
Did you get rebucketed?
Also, during my rebuilding, which I'm still working on, my scores ping ponged all over the place. I focused on cleaning up the report, and forgot about the scores. It made the process much easier & I kept my sanity as well heh.
"rebucketed"...thats both funny and weird. Havent logged-in in a while and account was locked. Opened up another one after multiple attemps to restore w/o any luck and today, old trusty allowed it....go figure. As far as the CS goes, just dont understand how a score can go down, when all CLs are decreasing and the ONLY thing I can think of was I did have one inquiry.....but figured the decreasing balances should have far exceeded the neg impact on a single pull.