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The past 2 months I've been learning a ton here.
Logged in to CK to see a -34 drop. The reason they gave was that Nel Net reported an additional $2300 in balances. I've written to Nelnet to find out what this is about. Today my Cap One Credit Wise score updated and it too is -30 points.
I feel so defeated.
I'm so confused!
Just logged in to WalMart to check and there it hasn't changed. Is WM a "true" FICO??
For TU:
Credit Karma: 573
Credit Wise: 576
WalMart: 614 (as of 4/5/16)
Merrick: 620 (as of 3/15/16 - will udpate with April score in about 2 weeks)
@MrsCHX wrote:I'm so confused!
Just logged in to WalMart to check and there it hasn't changed. Is WM a "true" FICO??
For TU:
Credit Karma: 573
Credit Wise: 576
WalMart: 614 (as of 4/5/16)
Merrick: 620 (as of 3/15/16 - will udpate with April score in about 2 weeks)
Yes, but like most such lender provided scores, it only updates once a month.
Same here on the 30+ score drop. Like I posted in the other thread, after I disputed, Seventh Avenue changed the type of account from charge account to personal loan/repossession which made my scores plummet.
It is so hard to ignore the FAKOs but you all are right.
At the end of this month, I will go from about 55% overall utilization (with 4 cards reporting 75% or more) to overall 10% utilization (3 card under 30%, no other balances reporting). Hope to see a change then.
I don't even look at the scores on CK anymore. I just log in once a week to check on my TU and EQ reports. Those scores were 100 points off my TU FICO last month!