Huge credit score drop

[dacv01]

So I am still fairly new to monitoring, but more importantly understanding the ins and outs of scoring. I wasa  victim of identity theft, and my scores took a hit. Most of the baddies have fallen off, and my score has been rising over the last few months, even if its just a few points here and there. 

3 Weeks ago I PIF a collection from Amex. I also PIF a credit card I had a small balance on (800)- this week my score dropped 78 points on credit karma with Transunion and Equifax. I pay for experian and I have not seen a change in that yet. 

Info to know on my credit report- 2 car loans, one still open but will update to paid off next cycle, other about 36 months left, 8 late payments over last 2 years. 

Credit cards- 1 Citi card, 2k limit, currently 0 balance 

AU Amex, 10K, 20-30% util

2 collections I am currently disputing, one for 233, the other 1700 

Average age of credit- 4 years

DTI- 10% accoring to experian

Exp: 550 

Transunion: 470 

Equifax: 531 

PS- if anyone wants to message me how to put my scores/ open card in bio that would be very helpful 

[Jnbmom]

As stated here a zillion times you can not go by credit karma scores !!

You need to check your actual FICO scores .

[dragontears]

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@dacv01 wrote:

So I am still fairly new to monitoring, but more importantly understanding the ins and outs of scoring. I wasa  victim of identity theft, and my scores took a hit. Most of the baddies have fallen off, and my score has been rising over the last few months, even if its just a few points here and there. 

3 Weeks ago I PIF a collection from Amex. I also PIF a credit card I had a small balance on (800)- this week my score dropped 78 points on credit karma with Transunion and Equifax. I pay for experian and I have not seen a change in that yet. 

Info to know on my credit report- 2 car loans, one still open but will update to paid off next cycle, other about 36 months left, 8 late payments over last 2 years. 

Credit cards- 1 Citi card, 2k limit, currently 0 balance 

AU Amex, 10K, 20-30% util

2 collections I am currently disputing, one for 233, the other 1700 

Average age of credit- 4 years

DTI- 10% accoring to experian

Exp: 550 

Transunion: 470 

Equifax: 531 

PS- if anyone wants to message me how to put my scores/ open card in bio that would be very helpful 

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As others stated vantage scores (credit karma) are not the same as FICO scores. Vantage scores are known for wild swings so I would not be worried unless you see large changes in Experian monitoring. 

For adding cards to your signature 

https://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/t...

[CAS2019]

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@Jnbmom wrote:

As stated here a zillion times you can not go by credit karma scores !!

You need to check your actual FICO scores .

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If a person is new to MyFICO forum, he/she wouldn't know this.  Just my opinion.  😉

[Anonymous]

Others have said, check your actual Fico Scores and I agree.

Pony up the $59 and pay for a 3 score check here and see what they really are, *IF* you must really know. Otherwise, you can just save your $59.

[AllZero]

$1 you can obtain your 3 bureau FICO 8 reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

Free mortgage scores
UNOFFICIAL LIST of credit cards and which score they provide

EX2 + 3 Bureau report for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score.

[M_Smart007]

https://www.annualcreditreport.com/index.action