Score went from 652 to 626 with the following aler.
Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
There was a change on your credit report that lowered your score but did not trigger an alert. For example, the balance on an account might have increased enough to lower your score, but not enough to trigger a balance increase alert.
You moved from one category of credit users to another as time passed. For example, you may have transitioned from the category "consumers with a new credit history" to the category "consumers with a two- to five-year credit history". As a result, your credit report is evaluated differently, causing a slight change in your score. The good news is that moving between categories like this usually offers you the potential to reach a higher FICO® score in the future.
Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
There was a change on your credit report that lowered your score but did not trigger an alert. For example, the balance on an account might have increased enough to lower your score, but not enough to trigger a balance increase alert.
You moved from one category of credit users to another as time passed. For example, you may have transitioned from the category "consumers with a new credit history" to the category "consumers with a two- to five-year credit history". As a result, your credit report is evaluated differently, causing a slight change in your score. The good news is that moving between categories like this usually offers you the potential to reach a higher FICO® score in the future.
Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Real possibility if you cannot find a change in the way one of your accounts is being reported.
It was score watch