https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quick-Question/m-p/234599#M20871 <DIV>Quick question.&nbsp; If nothing has changed, at all, on my Equifax report why would my score go down 1 point.&nbsp; Just curious.</DIV> Sat, 10 May 2008 14:39:54 GMT Anonymous 2008-05-10T14:39:54Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quick-Question/m-p/234599#M20871 <DIV>Quick question.&nbsp; If nothing has changed, at all, on my Equifax report why would my score go down 1 point.&nbsp; Just curious.</DIV> Sat, 10 May 2008 14:39:54 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quick-Question/m-p/234599#M20871 Anonymous 2008-05-10T14:39:54Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quick-Question/m-p/234686#M20886 Everything changes. Your credit report might be 1 day older and something that was helping short term lost the effects. Maybe a date changed for date of last activity because a lender reviewed your profile. Maybe you lost the point because you let too much time go by with out using an account. There are many things that can effect 1 point. Usually from what I learned is that if you have something old fall off that was helping or mostly because your UTL changed. All it takes is $1 to change your score if that $1 is at a point where your score was about to change. If you had a balance showing of $100 and it reported the next month as $99 that could drop you 1 point because your balance is now lower than the sweet spot for scoring. Could be that you just reached a point where they score you differently with another group of people that you just fell in to because your profile got older. Hard to say.<BR /><BR />Message Edited by ilovepizza on <SPAN class="date_text">05-10-2008</SPAN> <SPAN class="time_text">12:54 PM</SPAN> Sat, 10 May 2008 16:54:30 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quick-Question/m-p/234686#M20886 Anonymous 2008-05-10T16:54:30Z