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Credit score dropped on second pull

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Househunter121
Established Member

Credit score dropped on second pull

After my first pull back in October my mortgage score went down 10 point, but my regular score went up over 30-45 points. All I have done is pay down balances and do positives for my accounts, so not sure how my score on the mortgage way went down .

7 REPLIES 7
citymunky
Established Contributor

Re: Credit score dropped on second pull

Hello,

 

I'm not exactly following what you are trying to tell us. Are you making a statement or asking a question?  In either case that is a lot of infomation missing for your post so I'm not sure how others can offer their advice. 

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1 CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 2 of 8
Househunter121
Established Member

Re: Credit score dropped on second pull

I'm asking how could my score go down with only positive actions on my account 


 

Message 3 of 8
Mortgage-Specialist
Established Contributor

Re: Credit score dropped on second pull

Sometimes doing whaynwe consider positive things can cause scores to go the wrong direction. For example, if you paid all of your credit cards ro a zero balance, your scores will decline. You need leave a small amount on one card. 

 

Also, sometimes paying off a collection or having a collection deleted can cause your score to drop. This is why utilizing a credit simulator beforehand is so important

Message 4 of 8
Househunter121
Established Member

Re: Credit score dropped on second pull

But why would all my fico scores go up but my mortgage fico go down?

 


 

Message 5 of 8
Mortgage-Specialist
Established Contributor

Re: Credit score dropped on second pull

They all use different scoring models. If you had a car dealership pull your credit, you'd have another different response

Message 6 of 8
MauiMan85297
Established Contributor

Re: Credit score dropped on second pull

Your header is misleading, what second pull are you alluding too?



Message 7 of 8
VAMortgageGuy
Regular Contributor

Re: Credit score dropped on second pull


@Househunter121 wrote:

After my first pull back in October my mortgage score went down 10 point, but my regular score went up over 30-45 points. All I have done is pay down balances and do positives for my accounts, so not sure how my score on the mortgage way went down .


 The scoring models are all different which is why see such a difference in the scores.

Message 8 of 8
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