score drop for "no reason?"

[trc1962]

I received an alert from equifax that my score had dropped and when I checked, it had, by eleven points. I researched my current credit report and did not see any change. I have 3 accounts I am disputing that have been paid, but are showing as unpaid and equifax says the dispute is still being worked on. When I asked if he might know why my score dropped, he said "sometimes it happens for no reason in particular." I have been working on my scores for months and you just want to scream when you see your score dropping, but you aremaking progress. I have no new collection reports and have paid most of them off and yet my score drops. Any ideas appreciated. "Two steps forward, three steps back."

[gdale6]

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@trc1962 wrote:

I received an alert from equifax that my score had dropped and when I checked, it had, by eleven points. I researched my current credit report and did not see any change. I have 3 accounts I am disputing that have been paid, but are showing as unpaid and equifax says the dispute is still being worked on. When I asked if he might know why my score dropped, he said "sometimes it happens for no reason in particular." I have been working on my scores for months and you just want to scream when you see your score dropping, but you aremaking progress. I have no new collection reports and have paid most of them off and yet my score drops. Any ideas appreciated. "Two steps forward, three steps back."

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With all things being equal there is always a reason, scores dont just change without a material stimulus of some kind, it could be as innoculous as a payment history entry changing to you moving into a different bucket, re bucketing you can never see as it all looks the same when you look at the reports, the general mysteries of Fico score generation. I would just take it in stride and not worry to much about it.

[rfbs]

You may have received a similar notice in June 2014.  

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