No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My EQ FICO score on score watch dropped 32 points this week, so I snagged a basic report from the alert I had, and it shows that nothing has changed but four old addresses being reported, as far as I saw. The CAs that keep reporting on my file each month (and have been since 2009), reported again, but that is nothing new, and I don't understand how my score would drop 32 points randomly with this monthly reporting.. I have not yet pulled my full report, but what else could have caused the drop? I have added no new credit, have no new collections/derogatory information, either. Could aging of the collections caused this severe drop...?
Any input is greatly appreciated.
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get:![]() ![]() |
Are you on version 8 or 4?
Whatever version score watch gives from here. :/
Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014 Current Score: EQ 475 | EX 582 | TU 589 Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey! | Collections (MED): DCS Financial (4) | Columbia Collectors (1) | Dynamic Collectors, Inc (2) | Professional Credit Services (2) | CMRE Financial Services (1) | Total: 10 Charge-offs: | Cards I'm aiming to get:![]() ![]() |
@xaiduz114 wrote:Whatever version score watch gives from here. :/
There has been an update to EQ8 a few months ago. The rollout has been slow but some users have seen a change in their score with the upgrade.
http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-8-Announcement/m-p/2996572