Why did one score drop drastically?!

[CreditOCDinCali]

I am building up my credit to purchase a home this year. So far I have obtained Experian 646, Equifax 641, Transunion 636. My scores recently updated and my Transunion dropped to 580! Experian stayed the same and Equifax went up to 646. Why did Equifax drop so low?! I checked to see if I had any new collections, charge off's, anything and nothing new. I also only have 2 very small collections on Equifax. My bills are paid on time, every month. What gives?

[CreditOCDinCali]

*correction Transunion is the bureau that dropped my score from 636 to 580. Experian and Equifax have stayed consistent.

[Anonymous]

From where are you getting the scores? Are they Fico, or some other flavor?

[Anonymous]

I've seen probably a half dozen members of this forum in the last week or two (myself being one) report a TU FICO score drop when nothing has negatively impacted their report to warrant such a drop.  Most everyone has been chalking it up to TU having some kind of issues, glitches, etc. and suggest that the score should rebound.

[Anonymous]

Yep, I dealt with the glitch for months and it finally recently corrected.

[RonM21]

+1 to this.  In fact, I looked at my updated Transunion on CCT, and randomly there are 2 accounts not updated that should be and have been with the other bureaus. I don't know what happened, but hopefully they get it fixed, or have already.

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@Anonymous wrote:

I've seen probably a half dozen members of this forum in the last week or two (myself being one) report a TU FICO score drop when nothing has negatively impacted their report to warrant such a drop.  Most everyone has been chalking it up to TU having some kind of issues, glitches, etc. and suggest that the score should rebound.

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[takeshi74]

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@Anonymous wrote:

I've seen probably a half dozen members of this forum in the last week or two (myself being one) report a TU FICO score drop when nothing has negatively impacted their report to warrant such a drop. 

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Seems like it has been more than just a week or two.

Don't overlook other discussions as a resource.  I haven't experienced this myself but there have been a number threads on it,

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

I've seen probably a half dozen members of this forum in the last week or two (myself being one) report a TU FICO score drop when nothing has negatively impacted their report to warrant such a drop. 

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Seems like it has been more than just a week or two.

Don't overlook other discussions as a resource.  I haven't experienced this myself but there have been a number threads on it,

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Yeah, way more than a week or two.

[Anonymous]

I've only been a member here for 2-3 weeks so I can only speak about that brief amount of time.  If you guys say TU has been glitchy prior to that I certainly believe you. 

It does make me a bit uneasy about applying for a line of credit that does a TU pull.  Who knows if on that day it's going to be one of those odd occurances where my score is showing 20-50 points lower?  It could be the difference between an approval and denial which is kind of BS if it comes down to a glitch being the deciding factor.

[Anonymous]

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@Anonymous wrote:

I've only been a member here for 2-3 weeks so I can only speak about that brief amount of time.  If you guys say TU has been glitchy prior to that I certainly believe you. 

It does make me a bit uneasy about applying for a line of credit that does a TU pull.  Who knows if on that day it's going to be one of those odd occurances where my score is showing 20-50 points lower?  It could be the difference between an approval and denial which is kind of BS if it comes down to a glitch being the deciding factor.

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You needn't worry. Throughout the time that TU was glitching for me with MyFico, Barclays and Discover scores all my apps - whether soft pull or hard pull - rendered the correct clean report and score.