topic Re: Is it Fico 2008 or does someone hate me??? in Understanding FICO® Scoring

Is it Fico 2008 or does someone hate me???

Anonymous — Sat, 10 May 2008 22:28:38 GMT

My Equifax score just dropped from 702 to 612. And the only this that has changed on my credit report are as follows.

1. 10k limit card went from balance of $300 to $152

2. 500 limit card went from balance of $45 to $0

3. Two inquiries fell off.

Can anyone explain what could have happened?

Re: Is it Fico 2008 or does someone hate me???

Anonymous — Sat, 10 May 2008 22:34:39 GMT

Okay, I purchased a new scorewatch from Equifax and it says that my most recent late was 1 month ago. But I've never been late on anything. And nothing on my reports show late. But it also says that my entire amount of debt is currently past due. Something is seriously wrong.

Re: Is it Fico 2008 or does someone hate me???

Anonymous — Sat, 10 May 2008 22:47:28 GMT

Do you have a Student Loan serviced by Sallie Mae, if so read any of the threads about it and you'll see it's happening a lot.. if not I hope you can find out what the issue is!

Re: Is it Fico 2008 or does someone hate me???

Anonymous — Sat, 10 May 2008 23:01:39 GMT

I just got off the phone with Equifax and they said it's Salliemae!!!! I am livid.

Re: Is it Fico 2008 or does someone hate me???

haulingthescoreup — Sat, 10 May 2008 23:08:44 GMT

Make sure that you have print-outs of your credit reports (all three) from before that show how they used to report.

Here's the other thread:

*new error in Sallie Mae reporting*

Re: Is it Fico 2008 or does someone hate me???

Anonymous — Sat, 10 May 2008 23:14:16 GMT

Oh trust me....I have copies!!!!