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Why a 4 point drop in 1 month ? No Baddies

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joeblow2
Regular Contributor

Why a 4 point drop in 1 month ? No Baddies

I checked my TU FICO score in April then again in May and went from 726 to 722 with no reason why. no lates, 2 Inq but both had been  on in April. The only thing I can see is Mortgage Co. has not reported since Feb 09. No new accounts AAofA is 5 yrs.  Any ideas why this could have happend ?> 
Message 1 of 5
4 REPLIES 4
llecs
Moderator Emeritus

Re: Why a 4 point drop in 1 month ? No Baddies

What was your utilization before and after? Look on page 2 or 3 of your reports. Did that percentage change?
Message 2 of 5
joeblow2
Regular Contributor

Re: Why a 4 point drop in 1 month ? No Baddies

Util did not change 6 CC 1 with a $6000 line i have a $113 bal on it it only changed by $20 (decreased payment)

 

Message 3 of 5
llecs
Moderator Emeritus

Re: Why a 4 point drop in 1 month ? No Baddies

Try to get it to report $133 vs $113. Look to see if your FICO goes back up. Some people have reported that a minor dollar change on one CC, when the others have been PIF and report as so, have increased or decreased their scores by a few.
Message 4 of 5
joeblow2
Regular Contributor

Re: Why a 4 point drop in 1 month ? No Baddies

$20 on a $6000 CL is going to make a 4 point Difference? i find that hard to believe. The Utill is way less than 1%
Message 5 of 5
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