cancel
Showing results for 
Search instead for 
Did you mean: 

Weird situation has me worried 😒

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Member

Weird situation has me worried 😒

So my credit has been great, everything is going fine, and then my car needs brakes. So, I put it on my discover and the statement closed shortly after. I have about 80k worth of credit, 11% (previously 10%), and only 2 cards with higher individual utilization at about 60% each due to BTs. I know credit karma is to be taken lightly but it showed my score dropped 68 points on tu/eq. Would a $900 balance/1% utilization increase really drop my actual FICO 8 that drastically? Is it likely I'll see any AA? I plan to pay it within the next two weeks, just worried in the meantime. I've got relationships with pretty much all of the larger banks for reference 

Starting Score: 600
Current Score: 700
Goal Score: 750


Take the myFICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
Highlighted
Community Leader
Senior Contributor

Re: Weird situation has me worried 😒

@CreditJunkie304 

 

It's credit karma , you can't rely on their score changes at all. No need to try to figure it out .

EXP 763 TU 793 EQ 734
Message 2 of 11
Highlighted
Valued Contributor

Re: Weird situation has me worried 😒

They likely dropped some but certainly not by that much --  Why not pull your FICO scores and see so you can rest easy -  at least pull one of them -- you can get EX FICO 8 free from Discover Scorecard

 

Neither card is maxed and your overall util is still pretty low so I wouldn't worry about AA...  just make sure the balance continues to go down and not up and you should be fine. 

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 02/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 02/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.0 years not incl. AU / 9.0 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 11
Highlighted
Valued Contributor

Re: Weird situation has me worried 😒

I would pull another report. 68 points is a lot, even if CK scores are off. You could have a 45 point drop on a report that you pull yourself. 

Scores, HPs/24 mos. (updated 2/10/20):
    Experian FICO Score 8 = 848, 2/24
    TransUnion = 838, 0/24
    Equifax = 838, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,942.08
=================
Total Spend: $43,688.41

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $244,500

Cards (hover over for CL | interest rate | Date Opened):
Message 4 of 11
Highlighted
Valued Member

Re: Weird situation has me worried 😒

So my score that capital one gives dropped 68, have not seen a change with my score from discover yet, and no notification from Experian.. I know I will see some points back once paid off but this seems like way too much 

Starting Score: 600
Current Score: 700
Goal Score: 750


Take the myFICO Fitness Challenge
Message 5 of 11
Highlighted

Re: Weird situation has me worried 😒

Capital One and Credit Karma both show you Vantage scores so don't put much stock into those. Discover, however, shows your TransUnion FICO score.

Message 6 of 11
Highlighted
Valued Contributor

Re: Weird situation has me worried 😒


@small-giraffe wrote:

Capital One and Credit Karma both show you Vantage scores so don't put much stock into those. Discover, however, shows your TransUnion FICO score.


My DISCOVER score is slightly lower than my CK scores. It tracked pretty much in line when I maxed out a card. Lost around 40 with Vantagescore 3 and lost 38 on the DISCOVER TU.

 

Most likely will see a significant drop on other pulled reports.

Scores, HPs/24 mos. (updated 2/10/20):
    Experian FICO Score 8 = 848, 2/24
    TransUnion = 838, 0/24
    Equifax = 838, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07

2019 Spend:
    BCE: $4,066.59
    BoA Cash Rewards: $6,819.88
    Savor: $7,256.77
    CF: $3,104.62
    DC: $13,827.18
    Discover IT: $2,666.30
    Lowes: $147.59
    PNC Cash Rewards: $857.40
    Propel: $4,942.08
=================
Total Spend: $43,688.41

Avg. rewards rate, incl. offers/deals = 3.87%

Total CL: $244,500

Cards (hover over for CL | interest rate | Date Opened):
Message 7 of 11
Highlighted
Valued Contributor

Re: Weird situation has me worried 😒


@CreditJunkie304 wrote:

So my score that capital one gives dropped 68, have not seen a change with my score from discover yet, and no notification from Experian.. I know I will see some points back once paid off but this seems like way too much 


Capital one is Vantage.  You need your FICO.

 

Discover Scorecard is not the same as the FICO scorecard in your Disco account portal.  It's an entirely different website available to the public, not just cardholders.  

 

The FICO in your Disco portal is your TU FICO 8.   The one given by the scorecard offers your EX FICO 8 and it's free.  You can pull it right now.  You can pull it once every 30 days...   Click the link I put in my first post... 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 02/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 02/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.0 years not incl. AU / 9.0 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 8 of 11
Highlighted
Valued Contributor

Re: Weird situation has me worried 😒


@small-giraffe wrote:

Discover, however, shows your TransUnion FICO score.


Discover in your Disco Account Portal is TU FICO 8. 

 

Discover Scorecard is EX FICO 8.  They are two different things/websites.  Scorecard is available to the public for free, not just cardholders:

https://csp.discover.com/free-credit-score/index.html

 

OP Can pull their EX FICO 8 right now using that link. 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 02/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 02/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.0 years not incl. AU / 9.0 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 9 of 11
Highlighted

Re: Weird situation has me worried 😒

Did not know about Discover Scorecard — thanks @thornback!

 

I use the Experian app to check my EX score personally. Highly recommend.

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.