Established Contributor
cashnocredit
Posts: 1,024
Registered: ‎07-18-2009
Re: Major drop - FICO now lower than 2 years ago when I had a PR on a clean, low util report
[ Edited ]

Make sense of this! It's almost an invisible  CA or PR got into the score but not the report

 

For each of the following reports the "Positives" are identical:
1 You have no missed payments on your credit accounts
2 You've limited the use of your available credit.
3 You've shown recent use of credit cards


Report Date/ Score
7/19/11  Score 707
You have a public record on your credit report
You have a short credit history. (2CCs Oldest 2.5y,
You've recently been looking for credit.You've recently been looking for credit.

 

9/15/11  Score 707
You have a public record on your credit report
You have a short credit history.
You've recently been looking for credit.You've recently been looking for credit.

 

9/30/11   Score 707
You have a public record on your credit report
You have a short credit history.
You've recently been looking for credit.You've recently been looking for credit.

 

Note: added 2 CCs in Nov of 2011.  PR Dropped in Sept of 2011. Clean report

 

7/1/12  Score 749
You have a short credit history.
The amount owed on your revolving accounts is too high (All 0 balance except NPSL Amex, overall util:7% )

 

10/5/12  Score 754
You have a short credit history. (3.8y)
You have too many credit accounts with balances. (4)

 

1/11/13 Score  703
You have too many credit accounts with balances. (4)
You have a short credit history. (4y)
You have not established a long revolving credit history. ??

 

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k