cancel
Showing results for 
Search instead for 
Did you mean: 

Ck says my Equifax score dropped 23 points and the only change was i lowered my utilization.

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
New Contributor

Ck says my Equifax score dropped 23 points and the only change was i lowered my utilization.

On my actual Equifax account there aren’t any changes. What’s going on?
December 2018






As of 3/25/2019




Message 1 of 4
3 REPLIES 3
Highlighted
Valued Contributor

Re: Ck says my Equifax score dropped 23 points and the only change was i lowered my utilization.

Did your EQ FICO score change? 

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 02/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 02/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.3 years incl. AU
My AoOA: 7.0 years not incl. AU / 9.0 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 4/12 ✦ TU 0/6 | 1/12
Report Status: Clean

Tending my Garden til 6/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 4
Highlighted
Frequent Contributor

Re: Ck says my Equifax score dropped 23 points and the only change was i lowered my utilization.

CK told me once last month that my score went down a couple points because I let a $20 balance post. Yet $700 came off of my mortgage at the same time. 

 

CK is just a tool and is hyper sensitive in its guessing.

 

 

Good Luck!






RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel | Cap1 QS | AMEX Gold
Message 3 of 4
Highlighted
Regular Contributor

Re: Ck says my Equifax score dropped 23 points and the only change was i lowered my utilization.

CK uses the Vantage Score algorithm which nobody uses. So don't put to much stock into it. I just see it as a compass on which direction my credit scores are going, but the numbers are meaningless. Always go with FICO for the real deal!




Starting FICO-8 as of February, 2019:

Current FICO-8 as of February, 2020:

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.