I just pulled my MyFico TU score, as I usually do once a month. In February my score was 706, in March my score was 711 and I just pulled Aprils tonight...it was 690!!?? A score drop of 21 points??! I received my Discover Fico on April 9th which was 726. I know MyFico and Discover Fico use different models. What is confusing to me is when I pulled my MyFico score in March there was a B of A credit card balance of $194 and a Dicover Card balance of $425. So I figured since I paid the B of A balance off in full, my April MyFico score would be a little better, or at the very least, the same as MyFico score of 711 in March. Other than me paying off my B of A balance in full and having a Discover balance of $400 now, NOTHING has changed. No recent inquiries..etc. Another funny thing is when I went and did the TU score simulator and entered in paying off the entire Discover balance of $400, it said it couldn't simulate score because I have no revolving balances? Huh? So my $400 Discover card balance, which it shows, is not considered a revolving balance? I have a total credit limit of $12800. So I know I am well below the standard 10% in credit card balances. Discover Fico seems to be more accurate to me. I pay off a balance in full and pay the only other balance down and my score drops 21 points? Any thoughts would help. Recently BECU approved me for a $7500 credit card, but they did not do a hard pull on my TU report. I made sure when they sent the pre-approve offer that it wouldn't show up as a hard inquiry on my report and they assured me it would not. They were right, when I click on recent inquiry, BECU is not on there and my last inquiry was Nov/2013. Once again, any thoughts would be greatly appreciated. One more thing, just checked my Credit Karma score and it was 743. It has increased since I paid off my B of A balance. I know CK score is not accurate.
