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I don't get it....

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madmann26
Valued Contributor

I don't get it....

So I dropped my until from around 20% to about 2% and I lost 4 points. **bleep**?

/confused

Current Scores - 8/26/2025


FICO 9


EQ - 769


TU - 778


EXP - 762


Message 1 of 6
5 REPLIES 5
DaBears
Senior Contributor

Re: I don't get it....

Do you have any baddies or recently had any baddies removed? opened any new credit?

Message 2 of 6
KoolDev
Regular Contributor

Re: I don't get it....

has everything reported ?  Thats been my hold up.

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 3 of 6
Anonymous
Not applicable

Re: I don't get it....

It could be a few things but I don't think paying down your utilization would do it.

 

 

Message 4 of 6
C_DUBYA
Regular Contributor

Re: I don't get it....

I agree with the above.  The util dropping wouldn't be the cause here.  Something else changed.  Ive been in the same boat a few times where something good I was waiting on hit and my score either didnt change or dropped a bit.  I was angry.

 

But after digging deeper I found other reasons.  

Starting FICO8 June 2017: EQ: 514 - EX: 491 - TU: 521 Pre-BK7
Current
FICO8 March 2026: EQ: 696 - EX- 679 - TU: 683

Current challenge: Utilization 51% - Paydown in progress
Message 5 of 6
ezdriver
Senior Contributor

Re: I don't get it....

How much time elapsed betwwen paying down your balances and you checking your scores? Are your scores being checked from the same sources?

Message 6 of 6
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