topic Re: What???? -75 pts TU Score in Understanding FICO® Scoring

UPDATE: What???? -75 pts TU Score

krielly — Tue, 03 Nov 2015 19:54:42 GMT

I logged onto my Barclay Account this morning and for the heck of it looked at my TransUnion Score, even though I had just checked it on my Discover Account yesterday (where it was 826).

Imagine my shock when I see I had gone from an 825 last month, to a 750 this month. WTH????

the reason given is below. I immediately went and pulled my free annual Transuion report and find NO accounts listed as derogatory, No public records and NO collections.....

ABSOLUTELY NOTHING BAD reporting and I have not opened any new accounts in over a year.

The ONLY thing I can think of is that I generally let a 1-3% balance report on one credit card. Currently I have "0" reporting, which is unusual. Can this alone cause a 75 point drop??

Again, WTH??????

Thanks!

Re: What???? -75 pts TU Score

Anonymous — Thu, 10 Sep 2015 11:48:45 GMT

What the heck is the derogatory noted or is that just a general affecting factor? I'd be perplexed also.

I can't imagine that the cause is all accounts going to zero would account for 75 points. Best of luck getting to the bottom of this.

Re: What???? -75 pts TU Score

krielly — Thu, 10 Sep 2015 12:01:36 GMT

no, just a general factor. No details.

I immediately pulled my free annual TransUnion report and there are NO DEROGS whatsoever.....

Last new account opened is 6/14. Been over the report with a fine tooth comb. NOTHING out of order.........

I'm beyond perplexed!

Re: What???? -75 pts TU Score

Anonymous — Thu, 10 Sep 2015 13:37:14 GMT

Do you use CreditKarma or Myfico.com 3B? You might consider purchasing a report. Maybe wait a day or two to see if anything pops up.

Wish you the best. 75 points is a lot and painful to lose. It has to be something beyond $0.00 across your accounts.

Re: What???? -75 pts TU Score

krielly — Thu, 10 Sep 2015 15:52:14 GMT

The screen shot came from my Barclay's account FICO Score results, which are true FICO and have always agreed with my Discover site reported scores.

As i mentioned, immediately following receiving this information, I got a complete Transunion Credit report via the official free annual credit report website. this wasn't a report from credit karma or otherwise.

Re: What???? -75 pts TU Score

Anonymous — Thu, 10 Sep 2015 16:22:13 GMT

I realize that. While I don't use Ck for scores, it is good for reports. In your place, I'd look on annualcreditreport.com, CK and wherever I could find the problem. You may find in a few days that this was/is a mistake. Do you use in actual monitoring either on myfico.om other CCT?

Re: What???? -75 pts TU Score

Imhotrodcrazy — Thu, 10 Sep 2015 17:26:17 GMT

If I would have seen a 75 point loss for no reason I would have had a mild coronary too. I am in a similar score range as you and I have had "0" balances across the board and the worse that has happened to me is a 15 point loss on TU. I hope this is just a mistake and that you get it resolved. Good luck.

Re: What???? -75 pts TU Score

Anonymous — Thu, 10 Sep 2015 17:27:01 GMT

Did you have a public record at some time in the past that dropped off? I get exactly the same issue with my TU file. I had a state tax lien that vanished toward the end of February. My Barclay score shows the same note as yours. My Discover score didn't show it until this month's update. However, pulling my TU report directly shows clean. CK shows clean and CCT shows clean. Then there's this that I dealt with when I subscribed to MyFico:

Re: What???? -75 pts TU Score

Imhotrodcrazy — Thu, 10 Sep 2015 17:31:57 GMT

@Anonymous wrote:
Did you have a public record at some time in the past that dropped off? I get exactly the same issue with my TU file. I had a state tax lien that vanished toward the end of February. My Barclay score shows the same note as yours. My Discover score didn't show it until this month's update. However, pulling my TU report directly shows clean. CK shows clean and CCT shows clean. Then there's this that I dealt with when I subscribed to MyFico:

My pacemaker just went off.

Re: What???? -75 pts TU Score

krielly — Thu, 10 Sep 2015 23:02:08 GMT

Yes I did go to annual credit report.com and got my TU report. Totally clean. I had a bk 13 back in 2005, but that's been off my reports for 3 years now...

Re: What???? -75 pts TU Score

krielly — Fri, 11 Sep 2015 14:38:23 GMT

Barclay's score was dated 9/2, while my 826 score was dated the end of Aug on discover site. A ck pull yesterday showed no derogs and a 1 point increase over last week. Praying this was just some type of temporary glitch...

Re: What???? -75 pts TU Score

Revelate — Fri, 11 Sep 2015 18:39:54 GMT

@krielly wrote:
Barclay's score was dated 9/2, while my 826 score was dated the end of Aug on discover site. A ck pull yesterday showed no derogs and a 1 point increase over last week. Praying this was just some type of temporary glitch...

It probably is, when I originally saw Captool's graphic a while ago I was surprised to the point of disbelief; however, there's been 2-3 other reports now including yours of similar flakiness with Transunion that I think there's a problem in their application somewhere when it comes to historical data.

Re: What???? -75 pts TU Score

Anonymous — Sat, 12 Sep 2015 00:20:01 GMT

@Revelate wrote:
@krielly wrote:
Barclay's score was dated 9/2, while my 826 score was dated the end of Aug on discover site. A ck pull yesterday showed no derogs and a 1 point increase over last week. Praying this was just some type of temporary glitch...
It probably is, when I originally saw Captool's graphic a while ago I was surprised to the point of disbelief; however, there's been 2-3 other reports now including yours of similar flakiness with Transunion that I think there's a problem in their application somewhere when it comes to historical data.

That was also my conclusion after months of dealing with a massive score drop with each update only to find a clean file and high score when I paid for a fresh one.

Re: What???? -75 pts TU Score

Thomas_Thumb — Sat, 12 Sep 2015 00:33:18 GMT

Sometimes you just have to pay the piper.

Re: What???? -75 pts TU Score

krielly — Sun, 13 Sep 2015 12:06:25 GMT

Meaning what exactly?

Re: What???? -75 pts TU Score

krielly — Sun, 13 Sep 2015 12:11:47 GMT

My only thought is maybe ive had a bunch of old closed accounts fall off. Not sure how many but will compare my last year's annual report to this year's when I'm back in the office tomorrow. Still seems like a huge drop for no derogs and no new accounts.

Re: What???? -75 pts TU Score

Anonymous — Sun, 13 Sep 2015 15:39:51 GMT

My Discover TU dropped from 787 to 726 with the most recent update, and the public record notation re-appeared. So, yesterday I pulled my report directly from Transunion. Guess what? Clean, no tax lien in there.

Re: What???? -75 pts TU Score

Anonymous — Sun, 13 Sep 2015 16:59:45 GMT

I had some extreme TU flakiness in the month of August. Thankfully it's landed at the higher score and stayed there for the past month.

Re: What???? -75 pts TU Score

krielly — Mon, 14 Sep 2015 13:33:37 GMT

guess I'll ride this out for a bit and hope it corrects itself...

thanks to all who responded. Not planning any purchase or new accounts for at least a year or more, so no hurries: other than my immediate need to look at the full credit report, which I already took care of.

Re: What???? -75 pts TU Score

Anonymous — Mon, 14 Sep 2015 17:26:15 GMT

@Anonymous wrote:
My Discover TU dropped from 787 to 726 with the most recent update, and the public record notation re-appeared. So, yesterday I pulled my report directly from Transunion. Guess what? Clean, no tax lien in there.

Got my CCT 3B update today. TU clean, and a score of 789.