Negatives without any positive tradelines will get you that low.

That said, you mentioned a absolute drop in numbers down to a percentage; could you post from your source either the old percentage, or the absolute number from this year or last year?

1.4 M americans doesn't seem like a large percentage if we assume roughly 150M have a FICO score of some sort so maybe 15%?   Not sure on that 150M number, just making a swag.

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Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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