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Is it Fico 2008 or does someone hate me???

New Contributor

Is it Fico 2008 or does someone hate me???

My Equifax score just dropped from 702 to 612.  And the only this that has changed on my credit report are as follows.
 
1. 10k limit card went from balance of $300 to $152
2. 500 limit card went from balance of $45 to $0
3. Two inquiries fell off.
 
Can anyone explain what could have happened?
Message 1 of 6
5 REPLIES
New Contributor

Re: Is it Fico 2008 or does someone hate me???

Okay, I purchased a new scorewatch from Equifax and it says that my most recent late was 1 month ago.  But I've never been late on anything.  And nothing on my reports show late.  But it also says that my entire amount of debt is currently past due.  Something is seriously wrong.
Message 2 of 6
Frequent Contributor

Re: Is it Fico 2008 or does someone hate me???

Do you have a Student Loan serviced by Sallie Mae, if so read any of the threads about it and you'll see it's happening a lot.. if not I hope you can find out what the issue is!
FICO 6/2/08 , EX 754, 5/2 TU 720 EQ 722
Message 3 of 6
New Contributor

Re: Is it Fico 2008 or does someone hate me???

I just got off the phone with Equifax and they said it's Salliemae!!!!  I am livid.
Message 4 of 6
Moderator Emerita

Re: Is it Fico 2008 or does someone hate me???

Make sure that you have print-outs of your credit reports (all three) from before that show how they used to report.

Here's the other thread:

*new error in Sallie Mae reporting*
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 5 of 6
Highlighted
New Contributor

Re: Is it Fico 2008 or does someone hate me???

Oh trust me....I have copies!!!!
Message 6 of 6