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Man I’m bummed out

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Man I’m bummed out

Logged into CK to see my scores had dropped more than 40 points. Logged into ScoreSense and saw the same pretty much. Here is the only thing that has changed....F6551283-526F-4F20-AE07-AB5A67011037.jpeg

Man I sure was proud of myself seeing scores above 700. 
what happened?!?!

what do I do?

 

thanks in advance 

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Super Contributor

Re: Man I’m bummed out

Maybe use FICO 8 instead of VS 3.0?

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Frequent Contributor

Re: Man I’m bummed out

Credit Karma & Scoresense offer Vantage Score 3.0; their score changes mean very little in the world of credit. 

 

I have seen 100+ point swings on CreditKarma with no score change on my Fico8 score. 

 

Use CK to monitor changes to your file, but ignore the scores given unless you are going after a lender that uses that score (most lenders use one or more of the available FICO scoring models).

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


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Super Contributor

Re: Man I’m bummed out

$1 at experian.com or creditchecktotal.com for 3 Bureau FICO 8. Cancel in 7 days or less to avoid re-occurring charge.

Message 4 of 6
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Contributor

Re: Man I’m bummed out

Should I do anything with this remark (or, in this case, the removal of it) 

or

leave it be and just make sure FICO's don't drop?

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Valued Contributor

Re: Man I’m bummed out


@JLL2104 wrote:

Should I do anything with this remark (or, in this case, the removal of it) 

or

leave it be and just make sure FICO's don't drop?


No.   If your loans no longer deferred then the remark removal is accurate and your loan servicer won't state otherwise (unless you put the loans back in deferment by attending school or place them in forbearance).  Your FICOs shouldn't be affected at all by your loans coming out of deferment as it's not viewed as a "negative" event.   

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


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: 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: 7.1 years not incl. AU / 9.1 years incl. AU
Inquiries: EX 0/6 | 3/12 ✦ EQ 0/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


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.
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