Not sure why score has dropped... Should be going up. Any guidance is appreciated

[Anonymous]

Are your purchasing your mortgage scores or just going by the FICO8 that automatically updates with myfico? The reason I ask is because FICO8 specifically disregards AU Accts so consumers can't take advantage of being an AU. But the old mortgage scoring models that are still in use DO give you credit for those AU accts. also the old scoring models ding you for having all your revolving credit paid to $0. Carry a balance on at least one acct that's <10%. Do you have any installment loans? It sounds like you guys don't use a lot of credit but you're not struggling for cash. If you have an installment loan, try to pay it down another 10% of the Max value. This will bump your EXPERIAN score (won't likely do much for the other 2). And again if you are only looking at the fico8 sxore, and not your mortgage scores, you aren't looking at what the lenders are looking at.

[Anonymous]

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@Anonymous wrote:
Are your purchasing your mortgage scores or just going by the FICO8 that automatically updates with myfico? The reason I ask is because FICO8 specifically disregards AU Accts so consumers can't take advantage of being an AU. But the old mortgage scoring models that are still in use DO give you credit for those AU accts. also the old scoring models ding you for having all your revolving credit paid to $0. Carry a balance on at least one acct that's <10%. Do you have any installment loans? It sounds like you guys don't use a lot of credit but you're not struggling for cash. If you have an installment loan, try to pay it down another 10% of the Max value. This will bump your EXPERIAN score (won't likely do much for the other 2). And again if you are only looking at the fico8 sxore, and not your mortgage scores, you aren't looking at what the lenders are looking at.

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This is inaccurate. They wanted to eliminate AU but they did not. 

[Anonymous]

So fico 8 does count AU? Someone awhile back told me they did and when I was reading the post above saying they dont, I got panicked. My wife just added me as an AU on 3 of here cards that are from 2001 with no balances to help my score. I hope this is right.

[Anonymous]

Excited about paying off a HELOC on my mortgage, I failed to consider how it would impact my score. My score dropped 30 points as a result.

[StartingOver10]

OP, pull your mortgage scores here to see where you are now. FICO 8 scores are NOT used for mortgages so ignore those scores. Your currently paid, long term mortgage will be weighted more heavily in the FICO mortgage score formula from what I see.  http://www.myfico.com/Products/FICO-Score-3B-Report/

At least start with looking at the right scores - the lenders use the mid score of all three.

The others are right about letting a small balance between 1% to 9%  report on one of the cc's.