Established Member
Pickle027
Posts: 32
Registered: ‎07-17-2012
Score just dropped nearly 70 points for NO reason...help!

I just logged in and saw that my FICO went from 683 to 615 overnight for no reason. I got no alerts...the only thing it said was, "Recently missed payment or date of last payment unknown" as a reason it MAY have dropped. I have no collections, no late payments on anything in over 12 months. What has caused such a significant drop in scoring? I recently applied for a refinance, but would two hard inquiries drop my score like that? 

Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
Re: Score just dropped nearly 70 points for NO reason...help!

Pickle027 wrote:

I just logged in and saw that my FICO went from 683 to 615 overnight for no reason. I got no alerts...the only thing it said was, "Recently missed payment or date of last payment unknown" as a reason it MAY have dropped. I have no collections, no late payments on anything in over 12 months. What has caused such a significant drop in scoring? I recently applied for a refinance, but would two hard inquiries drop my score like that? 


Sounds to me that you may have a current missed payment. Maybe something you overlooked and thought you paid.

While it isnt clearly stated that may be the reason, the best advice I can offer is to pull your credit reports and compare them to an older report and see what has changed.

Good Luck
May all your dreams and wishes become a reality!
Established Member
Pickle027
Posts: 32
Registered: ‎07-17-2012
Re: Score just dropped nearly 70 points for NO reason...help!

I thought that too, but I only have three accounts I could have missed a payment on...all are set up automatically and all have come out of my bank account on time. 

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
Re: Score just dropped nearly 70 points for NO reason...help!