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My Quizzle Pro just updated - and I was expecting to see an increase after my CC balance/utilization was lower. But my Quizzle score actually dropped 3 points. No other changes! What the heck! I went from 18% to 16%
I don't understand! Any insight?
Quizzle is an EQ FAKO. You have scorewatch, right? As long as you change the alert every time your score changes, I think it updates. I'd wait to see if there is an alert or just look at your scorewatch, because that is an actual FICO score.
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get: |
I understand.
However.
My question is why would that change my Quizzle score as a negative factor.
I'm not sure, but did you check the rest of your report? It could have been something else was updated. I couldn't tell you 100% though.
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get: |
Hard to figure out Quizzle's reasoning for scoring modules. The decrease in util would not make your FICO score go lower. As said, could be something else, or just could be some math thing with Quizzle.
I would not trust Quizzle. I pulled my score and it is 637 but it can't be accurate. Mine is Ex 560 EQ 540 TU 520 (lender). My Fico shows 466
But I know for sure my score is low.