https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470833#M367194 <P>Okay so it isn't a huge drop- 3 pts but it was from one of my closed paid accounts updating from paid 30 days late twice to paying as agreed. I thought that was a POSITIVE thing.. why did it drop?&nbsp;</P> Thu, 25 Sep 2014 21:35:21 GMT Anonymous 2014-09-25T21:35:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470833#M367194 <P>Okay so it isn't a huge drop- 3 pts but it was from one of my closed paid accounts updating from paid 30 days late twice to paying as agreed. I thought that was a POSITIVE thing.. why did it drop?&nbsp;</P> Thu, 25 Sep 2014 21:35:21 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470833#M367194 Anonymous 2014-09-25T21:35:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470873#M367199 Might be uti, new inquiry, smth else.<BR />Just focus on your credit report and don't pay much of attention to your scores. You only need perfect credit and scores will come along.<BR /><BR />Best of luck Thu, 25 Sep 2014 21:44:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470873#M367199 Anonymous 2014-09-25T21:44:37Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470995#M367212 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Okay so it isn't a huge drop- 3 pts but it was from one of my closed paid accounts updating from paid 30 days late twice to paying as agreed. I thought that was a POSITIVE thing.. why did it drop?&nbsp;</P><HR /></BLOCKQUOTE><P>Check that one of your creditors hasn't changed/altered information that you're not aware of (e.g. the payment history). &nbsp;This actually happened to me twice recently and I was at a loss since I keep my utilization below 10%, pay all of my accounts on time, and have only added positive trade lines to my profile. &nbsp;In my situation, what happened is that one of my creditors changed the payment history for an account that was paid in full with a zero balance since Jan 2014. &nbsp;Somehow, they added late payments that weren't supposed to be there (for like a year ago!); obviously I had to dispute it. &nbsp;It has been extremely frustrating to say the least! &nbsp;When you see your scores drop, even if it's a few points, and you are in the rebuilding stage it's very disappointing. &nbsp;It has only been partially resolved, and I am still waiting for the inaccuracies to be completely eradicated. &nbsp;Comb through your credit reports and look for ANY changes that may lead you to why the score fell. &nbsp;Good luck!</P> Thu, 25 Sep 2014 22:14:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Score-dropped-WHY/m-p/3470995#M367212 ERoosky99 2014-09-25T22:14:16Z