So I've been rebuilding my credit for 5+ years. When my journey started I was 20k in collections and was at a low of 35X fico. Today I have one $2k collection and a $8k charge-off (auto repossession) both of which are old and are in the process of being negotiated to be removed.
My scores sit at high 600's for EQ and EX, and mid 700's for TU or at least it did....
Last week I received an update that my score had dropped 30+ points on TU! I logged into my various Credit monitoring accounts to check and sure enough all showed the drop. Oddly enough though nothing has changed to my file. No new accounts, no late payments, no increase in overall debt, no decrease in available credit, no closed accounts, nothing! The only thing I did was pay a few hundred extra to two credit accounts that have a higher apr, and to bring my the utilization down but even those payments haven't shown up either.
I've worked really hard on my credit and things were always changing for the better but this was an unexpected shot to the gut.
All my accounts are in good standing with no late payments and my payment schedule hasn't changed. I am at a loss..
I though it was a fluke maybe, so gave it time to see the next update but the score stood the same.
I know some people are going to say something had to have changed but I've combed over the new report and cross-referenced to old reports and nothing has changed.
Any help or advice would be great!
