Removed 3 AU, massive score drop...

[kstmommy]

Yesterday, I removed 3 of my AU accounts from TU ($14,100 in cl) and my score dropped a whopping 81 points! UGH! All 3 of the accounts were new this year, so I didn't think it would hurt. My util even dropped from like 8% to 5%.

Brand new Amex (8k) and United ($6.5k) haven't reported yet, so do you guys think I can recover those 81 pts when they do?

I feel like I'm going to barf. UGH. Should I add them back?

[Revelate]

That greatly depends on what else is in your credit report.

If you take the 3 AU's out of the mix for the moment, what other tradelines do you have?

As for the AU's, they may have been added this year but when were they opened?

If it were me on a 81 point swing, I'd probably be adding them back in.  May have lost points in a few areas: payment history, AAoA, and mix of credit depending what else is in your file.