Re: REALLY?!!

Azumi1 · ‎08-13-2012

I just received an alert. My score has dropped 18 pts. Reason: You may be looking for new credit...**bleep**! I haven't applied for anything in months. I did open a new checking account, but that alerted on 9/14, and my score actually increased a few days later on the 18th. Can someone explain this to me.

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500

Shogun · ‎04-15-2011

Did they do a HP to open the checking account? Where did you get the alert from?

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Azumi1 · ‎08-13-2012

It was a sw alert for an inquiry, but that was over 2 wks ago

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500

Walt_K · ‎11-02-2009

The reasons SW gives can't be relied upon. Anything else change that you can see? Utilization increase?

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

Azumi1 · ‎08-13-2012

Nothing that would on my credit report now. They update middle of month.

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500

Azumi1 · ‎08-13-2012

Both cards still under 10%. I don't understand.

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500

Azumi1 · ‎08-13-2012

Just checked my report, soft pull on 10/2. So why did it affect my score?

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500

Walt_K · ‎11-02-2009

Azumi1 wrote:
Just checked my report, soft pull on 10/2. So why did it affect my score?

A soft pull would not have affected your score.

9 times out of 10, when someone posts something like this, there is some other change that they are not seeing. You could also have been rebucketed (which is of course the myFICO cop out response when we can't figure out what happened).

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

Shogun · ‎04-15-2011

I've used that before, rebucketed, cause sometimes I just don't know!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Azumi1 · ‎08-13-2012

I went over it, nothing has changed except the soft pull. That's bs when I've worked so hard to repair my credit and points are taken off just because...

From 566 in 8/2012 to..

3/30/13---EQ 700/TR 697/ EX 706

Discover IT 6000, Amex BCE 7500, FNBO Amex 3500, Cap 1 platinum 2000, Orchard Bank platinum 1000, Best Buy 1000, Merrick Bank 800, Target Visa 500