topic Re: EX score dropped 27 points in Understanding FICO® Scoring

EX score dropped 27 points

Anonymous — Tue, 09 Apr 2019 22:53:03 GMT

Yesterday my score was 645 and today it is 618!!!! I checked my reports and nothing happened.

I closed one credit card; Verve back in march and it updated on the April 2nd. It wasnt my oldest account though.

I did have one inquiry from Amex on Sunday. Now Im worried that they might close my new card. Should I be worried?

Re: EX score dropped 27 points

Anonymous — Tue, 09 Apr 2019 22:54:16 GMT

Something else happened. An inquiry or an account falling off shouldn’t cause that much of a drop. You need to scrutinize reports from before and after the drop to see what changed.

Re: EX score dropped 27 points

Anonymous — Tue, 09 Apr 2019 22:56:44 GMT

I did. nothing else happened. my utilization is still the same. no other accounts updated.

im really bummed

Re: EX score dropped 27 points

Remedios — Wed, 10 Apr 2019 00:27:14 GMT

Did any of your derogs update by any chance?

Completed disputes?

Re: EX score dropped 27 points

Anonymous — Wed, 10 Apr 2019 00:30:24 GMT

i doubled checked my report. there was a collection placed by ERC from ATT for direct tv that was opened in 6/18. I disputed it as I didnt/dont have a direct tv account.

Re: EX score dropped 27 points

Remedios — Wed, 10 Apr 2019 00:35:03 GMT

@Anonymous wrote:
i doubled checked my report. there was a collection placed by ERC from ATT for direct tv that was opened in 6/18. I disputed it as I didnt/dont have a direct tv account.

So, did it come back as verified or is that brand new collection that caused a drop?

Re: EX score dropped 27 points

Anonymous — Wed, 10 Apr 2019 00:36:18 GMT

brand new...i just disputed it like 5 mins ago. prior to i didnt have any collections on my reports.

Re: EX score dropped 27 points

Remedios — Wed, 10 Apr 2019 01:50:29 GMT

Sorry

Re: EX score dropped 27 points

Anonymous — Wed, 10 Apr 2019 02:14:09 GMT

What is the source of your score?

Re: EX score dropped 27 points

Anonymous — Wed, 10 Apr 2019 02:56:43 GMT

CCT