@itlm062 wrote:one thing that *might be related is my wife's score...
She does have a collection on her report from 2013. However our WF checking account has always been seperate from one another.
And yes, her fico9 score has been in the 730 range with that serious deliquency remark...
She recently (3 weeks ago) closed her WF account...I wonder if they somehow merged our accounts?
I'd start looking at before and after reports if you have them; if it were me (cause $20 is irrelevant currently towards figuring out something awkward on my credit) I'd look at an Experian report here on myFICO to get at my FICO 9 score and reason codes there too... if that money matters to you, I wouldn't cause frankly FICO 9 isn't that widely used other than a select few lenders (NFCU, WF, maybe a few others) and not by anything that is truly critical (mortgage).
WF should be getting the score from Experian, but as people have noted we as consumers can't get it from there (which is total fail but meh), but the concept of merging should have no relevance unless something got updated on your credit report... in addition to mortgage loan modifications potentially any debt paid less than full might count similarly, though at an 800 on FICO 8 doesn't sound like you have traditional blemishes.
Anyway something likely changed, but it's admittedly not easy to find out when it comes to FICO 9.
