https://ficoforums.myfico.com/t5/General-Credit-Topics/Change-in-Score-Student-Loan-Forgiven-for-Disability-Derogatory/m-p/1462536#M163784 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>greetings.</P><P>&nbsp;</P><P>1. &nbsp;my score appears to have dropped 6 points, and the only changes on my accounts was drcrease in mortgage balance and closing of two 5-figure student loan accounts, due to disability. &nbsp;could the latter cause my score to drop?</P><P>&nbsp;</P><P>2. &nbsp;my score is estimated by credit carma at &nbsp;645. &nbsp;regardless of the validity of this credit carma score, i do have multiple derogatory items on my report, hence the estimated &nbsp;score. &nbsp;(no bankruptcy or student defaults, it's all credit cards.) &nbsp;the derogatories will all lapse in about 180 days. &nbsp;then i will have no derogatory info on my report. &nbsp;any ideas how this will affect my score?</P><P>&nbsp;</P><P>3. &nbsp;where can i buy a credit report online without trial membershps?</P><P>&nbsp;</P><P>thank you!</P><HR /></BLOCKQUOTE><P>Welcome to the forums !</P><P>&nbsp;</P><P>I wouldn't worry about your CK score, it is&nbsp;a FAKO score and has its own scoring rules that don't correlate to FICO scoring.&nbsp;&nbsp;&nbsp;&nbsp; Have you pulled a FICO score to know where you stand ?</P><P>&nbsp;</P><P>I believe that you can sign up for the FICO scorewatch service with a free trial ~that would give you a FICO score and report&nbsp;from EQ.</P><P>&nbsp;</P><P>If you want to purchase a credit report, you can purchase directly from any of the three CRA's websites.</P> Mon, 25 Jun 2012 03:14:02 GMT pizzadude 2012-06-25T03:14:02Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Change-in-Score-Student-Loan-Forgiven-for-Disability-Derogatory/m-p/1462472#M163782 <P>greetings.</P><P>&nbsp;</P><P>1. &nbsp;my score appears to have dropped 6 points, and the only changes on my accounts was drcrease in mortgage balance and closing of two 5-figure student loan accounts, due to disability. &nbsp;could the latter cause my score to drop?</P><P>&nbsp;</P><P>2. &nbsp;my score is estimated by credit carma at &nbsp;645. &nbsp;regardless of the validity of this credit carma score, i do have multiple derogatory items on my report, hence the estimated &nbsp;score. &nbsp;(no bankruptcy or student defaults, it's all credit cards.) &nbsp;the derogatories will all lapse in about 180 days. &nbsp;then i will have no derogatory info on my report. &nbsp;any ideas how this will affect my score?</P><P>&nbsp;</P><P>3. &nbsp;where can i buy a credit report online without trial membershps?</P><P>&nbsp;</P><P>thank you!</P> Mon, 25 Jun 2012 02:27:44 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Change-in-Score-Student-Loan-Forgiven-for-Disability-Derogatory/m-p/1462472#M163782 Anonymous 2012-06-25T02:27:44Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Change-in-Score-Student-Loan-Forgiven-for-Disability-Derogatory/m-p/1462536#M163784 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>greetings.</P><P>&nbsp;</P><P>1. &nbsp;my score appears to have dropped 6 points, and the only changes on my accounts was drcrease in mortgage balance and closing of two 5-figure student loan accounts, due to disability. &nbsp;could the latter cause my score to drop?</P><P>&nbsp;</P><P>2. &nbsp;my score is estimated by credit carma at &nbsp;645. &nbsp;regardless of the validity of this credit carma score, i do have multiple derogatory items on my report, hence the estimated &nbsp;score. &nbsp;(no bankruptcy or student defaults, it's all credit cards.) &nbsp;the derogatories will all lapse in about 180 days. &nbsp;then i will have no derogatory info on my report. &nbsp;any ideas how this will affect my score?</P><P>&nbsp;</P><P>3. &nbsp;where can i buy a credit report online without trial membershps?</P><P>&nbsp;</P><P>thank you!</P><HR /></BLOCKQUOTE><P>Welcome to the forums !</P><P>&nbsp;</P><P>I wouldn't worry about your CK score, it is&nbsp;a FAKO score and has its own scoring rules that don't correlate to FICO scoring.&nbsp;&nbsp;&nbsp;&nbsp; Have you pulled a FICO score to know where you stand ?</P><P>&nbsp;</P><P>I believe that you can sign up for the FICO scorewatch service with a free trial ~that would give you a FICO score and report&nbsp;from EQ.</P><P>&nbsp;</P><P>If you want to purchase a credit report, you can purchase directly from any of the three CRA's websites.</P> Mon, 25 Jun 2012 03:14:02 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Change-in-Score-Student-Loan-Forgiven-for-Disability-Derogatory/m-p/1462536#M163784 pizzadude 2012-06-25T03:14:02Z