Score dropped nearly 100 points!!!!

[Mikeur86]

Freaking out right now, Tomorrow was our date to go speak with our LO to get pre-approved. Yesterday my Equifax was 661, today its 583. Whats weird is recently I have had nothing but good things happen for my credit. I had three delinquencies removed from my report. I got my util. down to below 50%. The only thing that I can see that has changed is that my Mastercard reported today. The card previously had a balance of 1456 and now it has a balance of 611. Could it be that because I removed all of my delinquencies that my utilization is counting for a bigger portion of my score?

I have purchased an Equifax score and everything is exactly the same as it was the day before except my credit cards have lower balances than before. I pulled my TU and Exp from annualcreditreport and everything looks the same for them as it did when my LO pulled last week. My Equifax was the highest score at 661, then Exp was 604 and TU 602. Now I am worried that since my Equifax dropped so much that the other two did, is this possible? What could have caused the dramatic decrease?

The only things I have left on my credit is 2 delinquencies from 2006, 1 from 2010 all for Cap One BBY. I then have a Amazon 30 day from Sept 2010. Again, the only thing that has changed is my credit card balances.

Any ideas?

Thanks in advance

[DiabolicallyRandom]

Was the Equifax score pulled from this site? 

[Mikeur86]

Yes, it was pulled from this site.

[guiness56]

When you say delinquency what exactly do you mean?  Late payments, COs?

[Mikeur86]

Late payments. 30 days.

[guiness56]

You could have been rebucketed by even for that, 100 points is excessive.

I would contact the CRA and ask them why that much of a score drop.