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@Anonymous wrote:
Alright my fellow credit achievers so yesterday I got a total shock. I've been working on my credit now for the past year. Recently I got a huge CLI on my JetBlue card for 3k so now it's at 6.5k. I'm like awesome my score will go up. NOPE. Went down a whole 35 points and nothing else changed. My credit ratio went down to like 29 points and was higher that's about it and everything has been paid on time with no hard or soft pulls. Can anyone explain this because I sure as he can't. Now the score I'm referring too it like the normal credit score you get off of credit karma and the like. My fico 9 score went up by 1 point though. Ugh why any answer would he appreciated. Thanks.
Credit Karma does not provide a real score. Don't go by that. That is all.
When you say your utilization went down to 29%, what does that mean? Aggregate (average) utilization across all credit cards, or just on one card?
I bet your utilization on one (other?) card went up and that probably dinged you severely.
@Anonymous wrote:
I actual pulled my real score all 3, each of them went down after my FLU. So was just referring to that so someone wouldn't think I meant like a fico score. I'm not particularly score savvy so the technical terms are beyond me. Regardless I mean the actual score. Regardless nothing else happened and their is still no answer to be had it seems.
Well was it an auto-CLI or did you request it? If you asked for it, it was most likely a hard credit pull (aka inquiry). Those can negatively impact your score as it shows you are seeking credit. If there was no hard inquiry, I can't fathom why your scores would drop.
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