Why did my score drop?

Anonymous · ‎08-30-2008

A couple days ago I had my EXP. Score at 697 and it drop down to 680 today? Why?

haulingthescoreup · ‎08-30-2008

FICO or TC FAKO? (or other FAKO)

If it's FICO, what were the comments with the earlier score, and what are they with the new score? When you look at the EX credit report, what's different between the first report and the second?

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎08-31-2008

Uhm...There were no new comments that's thing that gets me. There were no new inquiries. The thing is it's a FAKO but still doesn't it project a image to find out what my real FICO score is? -If my FAKO score drops then doesn't my FICO to? The only thing that I could think that I went some where is that On a CL of a $1000 I used 450 but already paid it off, now's it's back at 0.

marty56 · ‎08-31-2008

Andrew_Garcia_4918 wrote:
If my FAKO score drops then doesn't my FICO to?

I dumped 30 bucks here thinking that as well. Using a FAKO to predict any change in your FICO is a waste of time and possible money.

1/25/2021: FICO 850 EQ 848 TU 847 EX

haulingthescoreup · ‎08-31-2008

@Anonymous wrote:

....The thing is it's a FAKO but still doesn't it project a image to find out what my real FICO score is? -If my FAKO score drops then doesn't my FICO to?

Nope. Or at least frequently nope. My TC's and FICO's go in opposite directions all the time.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

llecs · ‎08-31-2008

@haulingthescoreup wrote:
@Anonymous wrote:

....The thing is it's a FAKO but still doesn't it project a image to find out what my real FICO score is? -If my FAKO score drops then doesn't my FICO to?

Nope. Or at least frequently nope. My TC's and FICO's go in opposite directions all the time.

Ditto for me too. I don't have my records with me but I had AFNI drop from my report. My EX FICO jumped by 58 points. My EX FAKO via CCT dropped 12 points. Go figure.