TU score dropped....why?

[Anonymous]

4-24-08 I got all 3 fico scores and reports. I had TU update personal info and I pull TU report and score today and it dropped 32 points!! No changes in anything except the updating. Everything on the report is the same but why the big score drop?

On all 3 CRA's, I have the same collections, same good standings, inquiries, ect. I have 3 baddies I want to DV and now am afraid to. While trying to rebuild my credit, I did not expect this score drop, especially since I havent really done any repairing yet.

[Anonymous]

Did you pull the scores from the same source?

Compare both reports side by side with a fine tooth comb.

Look for dates.

Has any of your collections updated since the first report?

Has any accounts updated?

Has the status(open, closed, etc) changed on any accounts?

Is your util the same?

Look very closely. Go line by line and highlight ANY changes, no matter how insignficant you may think they are.

Your name, address, employer, etc does NOT affect scoring.

Message Edited by sidewinder on 04-30-2008 09:42 PM