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Yesterday I received an alert that my TU FICO score dropped 21 points. Today, I received an alert that my EQ FICO dropped 23 points. I'm so upset about this, especially after working so hard in the last year to bring my scores up. A week ago, my TU was 685 and EQ 690 and now they're in the 660's and a "fair" rating. Thinking something negative had recently reported to both CB's, I ordered copies of all 3 reports, but nothing new or deragatory is showing up.
Did my scores tank because I paid off the balances on most of my cards? I had small balances reporting on a number of cards and recently paid all but one of them and tried to only let the one card report a balance.
Will I gain the points back somehow or is it going to be another slow crawl to bring these back up? I am borderline-obsessive about my scores and this is seriously making me sick to my stomach.
So sad.
If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
@Anonymous wrote:If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
How does that even happen?
@skimmie48 wrote:
@Anonymous wrote:If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
How does that even happen?
I think it's because when MyFico does an alert based update they are pulling an old report that includes my tax lien that vanished from TU in early March. When I buy a new one or pull it directly from TU, it's clean. It was also clean when pulled by the two CC companies I got cards from last month.
@Anonymous wrote:
@skimmie48 wrote:
@Anonymous wrote:If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
How does that even happen?
I think it's because when MyFico does an alert based update they are pulling an old report that includes my tax lien that vanished from TU in early March. When I buy a new one or pull it directly from TU, it's clean. It was also clean when pulled by the two CC companies I got cards from last month.
Kind of crazy. Did your lien age off or did you get it withdrawn? Hoping I see that kind of shift when my withdrawl posts.
@skimmie48 wrote:
@Anonymous wrote:
@skimmie48 wrote:
@Anonymous wrote:If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
How does that even happen?
I think it's because when MyFico does an alert based update they are pulling an old report that includes my tax lien that vanished from TU in early March. When I buy a new one or pull it directly from TU, it's clean. It was also clean when pulled by the two CC companies I got cards from last month.
Kind of crazy. Did your lien age off or did you get it withdrawn? Hoping I see that kind of shift when my withdrawl posts.
Neither. It just mysteriously vanished, and it was still open - unpaid at the time. I finally got it paid off the middle of March, 7 years after it was filed, (it was huge). It's still in my EQ and EX reports, but neither has updated as paid.
Was it an IRS lien? I have one that has 3 years left until
removal but I'm looking at your score and I see it wasn't affecting it that much
@Anonymous wrote:
@skimmie48 wrote:
@Anonymous wrote:
@skimmie48 wrote:
@Anonymous wrote:If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:
How does that even happen?
I think it's because when MyFico does an alert based update they are pulling an old report that includes my tax lien that vanished from TU in early March. When I buy a new one or pull it directly from TU, it's clean. It was also clean when pulled by the two CC companies I got cards from last month.
Kind of crazy. Did your lien age off or did you get it withdrawn? Hoping I see that kind of shift when my withdrawl posts.
Neither. It just mysteriously vanished, and it was still open - unpaid at the time. I finally got it paid off the middle of March, 7 years after it was filed, (it was huge). It's still in my EQ and EX reports, but neither has updated as paid.
The dollar value of a tax lien doesn't matter. I have a $618 state tax lien reporting on EQ and EX and a $34K lien reported on TU and all my scores are within 10 points of each other.
I hope that my liens are worth as much as your liens point wise. I'm currently working with an accountant to have them paid and removed. Hopefully that will happen in the next 2 months.
@Shann0n_marie wrote:Was it an IRS lien? I have one that has 3 years left until
removal but I'm looking at your score and I see it wasn't affecting it that much
State tax lien. Not sure what you think not much is, but I think 70 plus points is a pretty big swing.
I'm hoping for a nice jump when my lien is withdrawn. Just waiting for the CRA's to update. Documentation sent...70 points would be awesome but don't think I will see that.