14 point drop for address change?

[millicredi]

Yeah, it happened to me this morning. I've paid all my bills on time and paid stuff off and got new accounts all within good mix. For some reason my score just goes down more than anything within last 6 months. Inquiring is low (6) within 2 years. 

this has got to be manipulation on behalf of the lenders that make more. 

[OmarGB9]

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@millicredi wrote:

Yeah, it happened to me this morning. I've paid all my bills on time and paid stuff off and got new accounts all within good mix. For some reason my score just goes down more than anything within last 6 months. Inquiring is low (6) within 2 years. 

this has got to be manipulation on behalf of the lenders that make more. 

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Not really. Lenders don't control your scores. The bureaus and their proprietary algorithms do. You'd have to thoroughly scan your reports from before and after the score change to truly figure out why your score went down.

[HeavenOhio]

@OmarGB9, wouldn't it be FICO that controls the scores, with the bureaus collecting and maintaining records?

[OmarGB9]

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@HeavenOhio wrote:

@OmarGB9, wouldn't it be FICO that controls the scores, with the bureaus collecting and maintaining records?

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Well yes. I kinda muddled things together, though the bureaus can interfere as well when they have inaccurate info.

[millicredi]

It went back up but i think it was due to my cc balances dropping to zero utilization or I also had two cl increase.

I just bought a home so that why my address changed but the mortgage hasn't posted on cr yet. 

in other topics I was just approved this morning for 7k navyfed "yay!" 

The tips here definitely helped me.