Major score drop

[TGG_1976]

I know this may be temporary but FICO scoring always throws me off. Over the past year, I have had my utilization down to 3% across my cards, and all scores have been hovering in the 730 range.

I had an uptick in one-time expenses past month and had the balances report. My utlization for march was at 28%. My Chase Experian score dropped by a 137 point!? I am like what?

I paid down all my balances today to zero (only card reporting a smaller balance). I hope Chase reports mid-cycle (do they still so?) and my scores bounce back since I want to rent a new place in the next month(s).

I checked all Fico reports today. In fact, one inquirie from 2019 fell off, no other change. It's soul crushing!

Thanks for listening!

[Jnbmom]

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@TGG_1976 wrote:

I know this may be temporary but FICO scoring always throws me off. Over the past year, I have had my utilization down to 3% across my cards, and all scores have been hovering in the 730 range.

I had an uptick in one-time expenses past month and had the balances report. My utlization for march was at 28%. My Chase Experian score dropped by a 137 point!? I am like what?

I paid down all my balances today to zero (only card reporting a smaller balance). I hope Chase reports mid-cycle (do they still so?) and my scores bounce back since I want to rent a new place in the next month(s).

I checked all Fico reports today. In fact, one inquirie from 2019 fell off, no other change. It's soul crushing!

Thanks for listening!

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Chase's score isn't FICO......................Vantage scores can be vicious with utlization changes, but they are not FICO so nothing to be too concerned about

[TGG_1976]

@Jnbmom Thanks so much for the positive spirit, I needed that!

[blindambition]

Chase will automatically report when paid to $0, so yes they still do that. As @Jnbmom pointed out, Chase's Credit Journey is Vantage 3.0, so nothing to be concerned with.

[Anonymous]

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@TGG_1976 wrote:

I know this may be temporary but FICO scoring always throws me off. Over the past year, I have had my utilization down to 3% across my cards, and all scores have been hovering in the 730 range.

I had an uptick in one-time expenses past month and had the balances report. My utlization for march was at 28%. My Chase Experian score dropped by a 137 point!? I am like what?

I paid down all my balances today to zero (only card reporting a smaller balance). I hope Chase reports mid-cycle (do they still so?) and my scores bounce back since I want to rent a new place in the next month(s).

I checked all Fico reports today. In fact, one inquirie from 2019 fell off, no other change. It's soul crushing!

Thanks for listening!

---

Wow!   That was a huge drop!   Are you sure nothing else changed on your report?

[Jnbmom]

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@Anonymous wrote:

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@TGG_1976 wrote:

I know this may be temporary but FICO scoring always throws me off. Over the past year, I have had my utilization down to 3% across my cards, and all scores have been hovering in the 730 range.

I had an uptick in one-time expenses past month and had the balances report. My utlization for march was at 28%. My Chase Experian score dropped by a 137 point!? I am like what?

I paid down all my balances today to zero (only card reporting a smaller balance). I hope Chase reports mid-cycle (do they still so?) and my scores bounce back since I want to rent a new place in the next month(s).

I checked all Fico reports today. In fact, one inquirie from 2019 fell off, no other change. It's soul crushing!

Thanks for listening!

---

Wow!   That was a huge drop!   Are you sure nothing else changed on your report?

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@Anonymous 

thats not a huge drop shocker for Vantage scores at all................and again it's not their FICO scores

[4sallypat]

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@Jnbmom wrote:

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@Anonymous wrote:

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@TGG_1976 wrote:

I know this may be temporary but FICO scoring always throws me off. Over the past year, I have had my utilization down to 3% across my cards, and all scores have been hovering in the 730 range.

I had an uptick in one-time expenses past month and had the balances report. My utlization for march was at 28%. My Chase Experian score dropped by a 137 point!? I am like what?

I paid down all my balances today to zero (only card reporting a smaller balance). I hope Chase reports mid-cycle (do they still so?) and my scores bounce back since I want to rent a new place in the next month(s).

I checked all Fico reports today. In fact, one inquirie from 2019 fell off, no other change. It's soul crushing!

Thanks for listening!

---

Wow!   That was a huge drop!   Are you sure nothing else changed on your report?

---

@Anonymous 

thats not a huge drop shocker for Vantage scores at all................and again it's not their FICO scores

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Vantage scores are WILD compared to the moderate, calm numbers that FICO generates - sometimes it is sky high while other times it says way low....

[NichelleN]

I generally ignore my Vantage score. It runs about 70 points behind my FICO score.