Definitely Crying...76point total drop....so far

[Anonymous]

Transunion went from 624 yesterday to 579 today! 45points

Equifax went from 610 yesterday to 579 today! 31points

Idk what I should do? Do this completely mess up my Auto Loan just was approved for? I was going to look at cars tomorrow!!!

I really don't want to quit my job (which is that may have to happen) can I dispute Enhanced? 

[bstone]

Usually auto loan approvals are good for 30 days, that being said, you need to buy one ASAP to avoid the possibility of another credit check.  Would another check turn your approval into a denial?  Unlikely.  But it certainly could result in worse terms (higher rate, lower loan amount, higher down payment, etc.).

[Anonymous]

So, there is nothing I can do? Would calling them help? (I have no information for them so google would have to work.)

[bstone]

Calling who?  Do you know why your score dropped?  Was there a recent negative?  Otherwise the score drop may be related to a new account, high credit card utilization, etc.

[ojefferyo]

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@Anonymous wrote:

Transunion went from 624 yesterday to 579 today! 45points

Equifax went from 610 yesterday to 579 today! 31points

Idk what I should do? Do this completely mess up my Auto Loan just was approved for? I was going to look at cars tomorrow!!!

I really don't want to quit my job (which is that may have to happen) can I dispute Enhanced? 

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You need to find out what caused your score to drop that much, typically a new account would not drop it that much so it looks like a new negative may have surfaced. Not much you can dispute if it's accurate. 

[ORllyNao]

If you're already appoved for your car loan, you should be ok. Assuming they already actually pulled your credit and approved your loan, there should be no reason for them to pull it again. 

[Anonymous]

Don't cry. Go get that car within the next 30 days and while doing so find out why your score dropped.

[Anonymous]

Sorry, I stated why it dropped in a different posting. Enhanced Recovery added a collection to my reports (all 3) for a Sprint bill. Sprint fixed it on their end yesterday when the collection was only on EX...Today it popped up on TU and EQ with the wrong information (saying unpaid, last payment day, amount).

[bstone]

Then yeah, you need to dispute if it's not accurate, but that can take 30 days.  If you have a true pre-approval for an auto loan you should be fine, just go buy one before your 30-day approval expires.  Even with he lower score you should still qualify for an auto loan, just maybe not the same terms.

[Anonymous]

I disputed it with EQ over the phone. 

The loan is through my CU...I literally got the approval (not pre approval) letter like 2 hours before the TU score drop. If I were to apply right now through them again I'd be denied.