@Anonymous wrote:
what the hell is wrong with this bureau. 34 point drop in 3 days.
TU does not generate scores other than their TU New Account Score. FICO's are a product of the Fair Isaac Corporation. A TU FICO does use TU data to generate the score.
If you're unhappy with your score based on TU data then it's your report data that is the issue and you need to indentify and address the issues with your TU report. Stop blaming TU or the score. It's how you're managing your credit accounts that determines how data is reported.
Don't just obsess over the numbers. To determine the cause(s) of any scoring change you have to carefully review reports from before and after the scoring change.
@Anonymous wrote:
Nothing has changed in the past three months so my issue is over a 50 point drop with transunion. Again all bills are paid on time every month and revolving balances are under 5% utilization. Not blaming anyone person I have issue with thier calculations.
Scores don't just randomly change. Any score is generated based on data in a report. Again, you need to pull the report to verify what changed. Paying on time does help as Payment History is the biggest factor. Low Revolving Utilization does help since it falls under Amounts Owed.
http://www.myfico.com/crediteducation/whatsinyourscore.aspx
However, these are not the only factors that matter and you're obviously overlooking a change or multiple changes that led to the drop in score. You cannot find out what these are without the report and an idea of what the report was like before the drop.
You are assigning blame. You're assuming that there has to be mistake when you have not yet confirmed what is going on with your TU report by pulling it.
