@smb0730 wrote:That makes sense I guess. It couldn't be any worse timing though. My husband and I put an offer in on a house and I've been working on my credit for the last year. I've gotten all of my baddies removed except for one. I'm currently working on a settlement amount with that company. Anyhow, my credit score was up to 675 at Experian (I know, not fabulous, but way better than where it was a year ago) and I was at 690 at Transunion. Well, I got that notice emailed me today and it's dropped down to 645. Since my credit is worse than my husband's, the lender has to use my scores. Up until yesterday, I would've been in good shape, but now this really puts me in a bad spot. Our interest rate is going to suck.
Ouch!!! 
It might be because that next-to-last baddie fell off, and what's left isn't a serious derog. Is it either a 30-day, or a 60-day that's older than 2 years old? If so, you've moved into a clean history bucket.
What are your remaining negatives, if I can ask? I'm guessing that high revolving util is one of them. If so, is there any way that you can get it down, if only by paying your CC's early, before the statement, so that they report smaller balances?
And where I highlighted Experian above --did you mean Equifax? Because we can't get our Experian FICO scores from Experian any more.
One last thought --it looks like your score drop was on TU. If so, the TU here is version TU98, and many lenders now pull TU04. It's possible that your lender will pull a higher TU score. edit: cancel this, your thread is titled "Score Watch Alert", which means Equifax.
Yeesh, worse and worse.
It's possible that you weren't rebucketed at all. Those Score Watch alerts can be pretty random --sort of a maybe-this-happened, and maybe-that-happened. I wouldn't be surprised if the score change was actually from Asset Acceptance fiddling with the dates in order to drop your score again and turn up the heat even more. 
Good luck to you on this. You're a lot more calm about it (at least in your post!) than I would be, I'm afraid.
And to anyone else reading, this is why you freeze all three credit reports before you go looking for a mortgage, no matter how good your reports are. The credit bureaus sell the names of those who are applying for mortgages to zombie debt buyers, for this very reason. They know that if you're trying to close on a house, you're more likely to give them money, whether you truly owe it or not. And why exactly is this legal?? You've got me.
@haulingthescoreup wrote:
And to anyone else reading, this is why you freeze all three credit reports before you go looking for a mortgage, no matter how good your reports are.
Still, Liz Weston writes that "A credit freeze does not prevent your current lenders from reviewing your credit reports or adding new information to them. The best way to prevent negative information is to pay your bills on time, borrow only what you can afford to repay and prevent disputes from going to collections."
I should add that I don't know the first thing about freezes or lates or debt or anything like that. 
But DW and I have just completed a refinance, today. "Congratulations! Your Refinance escrow closed today." 
We never considered freezing our credit reports, maybe because they don't have any dark spots. But that's not to say stuff can't go wrong, or close to wrong. My middle score went down for several unforseen coincidental reasons at the time of locking. Good thing it wasn't too close!
@Anonymous-own-fico wrote:
@haulingthescoreup wrote:
And to anyone else reading, this is why you freeze all three credit reports before you go looking for a mortgage, no matter how good your reports are.
Still, Liz Weston writes that "A credit freeze does not prevent your current lenders from reviewing your credit reports or adding new information to them. The best way to prevent negative information is to pay your bills on time, borrow only what you can afford to repay and prevent disputes from going to collections."
I should add that I don't know the first thing about freezes or lates or debt or anything like that.
But DW and I have just completed a refinance, today. "Congratulations! Your Refinance escrow closed today."
We never considered freezing our credit reports, maybe because they don't have any dark spots. But that's not to say stuff can't go wrong, or close to wrong. My middle score went down for several unforseen coincidental reasons at the time of locking. Good thing it wasn't too close!
Very true. This is specifically done to prevent zombie debt collectors from getting your name as a hopeful home buyer and running your ID through pages and pages and pages of ancient collections in hopes of getting a hit. And that's exactly how this works. These aren't CA's who've been after you for years.
Ideally, you've never had collections. We thought we didn't have any either. But DXH had a medical collection on two of his reports, and we never knew it was there. Neither the billing service nor the CA bothered to notify us. (It was an out-of-state ER charge, where part was paid by insurance, but the rest wasn't. The billing service had screwed up, the insurance wouldn't pay the bill as coded, and rather than doing it right the second time, the billing service just sent it to collections.) And some people have never had collections period, but sloppy identification work winds up getting a collection assigned to them, even though it belongs to a complete stranger. The CA doesn't care (we're talking zombie debt collectors here) --they're just sniffing around, looking for an opportunity to make some easy money.
It might not happen often, but when it happens to you, it's a mell of a hess.
Congrats on your refi!