Re: TANKED TU Score

Anonymous · ‎05-06-2015

My QS (new) credit card and my TU score just dropped 15 points! =( Worst part is, I just got the BoA Cash Rewards, Green Card, and Delta Gold from Amex.....All my other scores went up! Uggh....DEFINITELY gardening for at LEAST a year.

Anonymous · ‎05-06-2015

@Anonymous wrote:
My QS (new) credit card and my TU score just dropped 15 points! =( Worst part is, I just got the BoA Cash Rewards, Green Card, and Delta Gold from Amex.....All my other scores went up! Uggh....DEFINITELY gardening for at LEAST a year.

Don't worry your scores will go back up over the next couple months as your utilization drops too.

Anonymous · ‎05-06-2015

I wouldn't worry about 15 points.

NRB525 · ‎05-06-2015

@Anonymous wrote:
My QS (new) credit card and my TU score just dropped 15 points! =( Worst part is, I just got the BoA Cash Rewards, Green Card, and Delta Gold from Amex.....All my other scores went up! Uggh....DEFINITELY gardening for at LEAST a year.

Congratulations on all the new cards!

The score drop is to be expected, and since you aren't going to be apping for a year, the score will have a chance to move up during that time.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎05-06-2015

Thank you! 15 points seems HUGE with my fragile, rebuilding credit, baby scores. I've only had a 5 point drop, before. Does it get worse before it gets better?

Anonymous · ‎05-06-2015

I DEFINITELY have to garden for at least one year....

Anonymous · ‎05-07-2015

If you don't plan on app'ing or asking for a cli ... Your fico score is useless anyway

Imhotrodcrazy · ‎05-07-2015

@Anonymous wrote:
I wouldn't worry about 15 points.

At my age this would give me a coronary if it happened to me.

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15

Anonymous · ‎05-07-2015

Shoot, it would give me a coronary. Yeah, I'm just sad because after building for one year and going up 100 points, it's sad to lose more than 5. =(

Anonymous · ‎05-07-2015

@Imhotrodcrazy wrote:
@Anonymous wrote:
I wouldn't worry about 15 points.

At my age this would give me a coronary if it happened to me.

The first couple times it happened, it nearly gave me a coronary. Then I figured out that the yellow dots that pop up every time I get an alert are some kind of glitch. The green dots are the correct ones.

TANKED TU Score

Get your FICO® Score for free

TANKED TU Score