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I check my husbands credit score once a week (Credit Karma updates weekly). His scores have been between 525 and 540 on both with Transunion being the highest. For the past 2 weeks they have gone down! Equifax is now 499 and Transunion is 468!!
There's nothing new that I can see, does anyone know the reason this can happen?? He has a few collections, nothing new was added. The collection agencies report monthly. PRA only reported to Transunion for June!
Thanks
@kennerchick wrote:I check my husbands credit score once a week (Credit Karma updates weekly). His scores have been between 525 and 540 on both with Transunion being the highest. For the past 2 weeks they have gone down! Equifax is now 499 and Transunion is 468!!
There's nothing new that I can see, does anyone know the reason this can happen?? He has a few collections, nothing new was added. The collection agencies report monthly. PRA only reported to Transunion for June!
Thanks
Can't rely on CK for scores at all. They are not "real" FICO scores and we usually refer to them as FAKO's. No sense in even trying to figure out why its moving.
Is it possible that a collection account is updating balances? That may cause a drop.
@kennerchick wrote:
I did an estimate fico score on credit.com I believe it was and it's estimated between 565 & 610. So I feel better with that, but still need to fix it all.
Credit.com is just another FAKO. If you want to get his *real* FICO scores, go to creditchecktotal.com, they have a 7 day, $1 trial membership. Just make sure you cancel before the 7 days is up.
Yes, but he's had them on there! Only one that is new is PRA and that one only updated to transunion for June.
Thanks Norman! I'll check it out
CK is basically worthless when it comes to gaining an 'accurate' overall snapshot of your credit profile and score.
It always shows that one of my new auto loans has been deleted from the report, yet all of my credit reports (including CK report) show it is still there.
My TU FICO8 is 757, no baddies at all, and yet CK shows my score to be 617 (no baddies, everything exactly as the TU site and MyFico reports).
Also, I almost didn't apply for a LOWEs card because it showed that I had a poor chance of being approved. I did it anyway and have a $10K SL.
It's great for notifications, I get them almost immediately and it's great to review and if anything seems inaccurate, you can pull the actual report, but other wise, Ck is for entertainment, IMHO