@bloodxus30 wrote:I did pull each of them from each bureau. Everything is the same as explained for the past year except the removed inquiries.
In your case I'd call myFICO support and ask them what's up: sounds like something is munged in the data pull. The title is a little misleading in my opinion when you have an identity or other issue going on 
.
@jewelsinme wrote:Hey! Mine literally dropped 50 points too! My mouth dropped open, I just got approved for a nice line of credit (that I wasn't expecting) - so I came to myfico to get an updated listing of my credit score. Imagine my suprise when I was in the POOR! I worked so hard to get out of it for two years too. There has to be an error somewhere. I think it's on myfico's end. Obviously, the company who extended the credit to me didn't see these scores. I googled and found you. From three days ago. Coincidence? I bet not.
Welcome to the forums!
Honestly one of the things we struggle with is there's more than 50 verision of mainstream FICO algorithms out in the wild, of which maybe 18 are commonly used. It's quite likely statistically and from your description that it's potentially a different score, but I'd ask, what was in the report and what was your score?
There's a lot more to underwriting than a FICO Score, as an example a FICO score generally doesn't care whether a collection has been paid or not, or a tax lien released as examples: they may be paid which makes a world of different to underwriting, but won't help one's score. Will say my own scores aren't fantastic and I haven't had any problems regarding credit, but all the negatives on my report are clearly paid which is non-trivial from a lender's perspective (and a clean sheet technically since I got my poop in a group doesn't hurt either).
