3 point drop

[Anonymous]

used my Walmart Charge to purchase 74 buck item... I always PIF before reports to CCC, but this time I didnt get payment in before report was sent.

Got a scorewatch notice that my score drop 3 points due to a change in Walmart balance from $0 to $75.

Now 3 points might now sound like much, but I am in the middle of purchasing a home and my scores were close to the boarderline already.

What a bummer... The report slow on everything else yet they

[llecs]

If the 3 points is an issue, you could ask your lender to do a rapid rescore. Or if you have other CCs that are going to report soon, then you can offset those with $0 balances and that'll rebound your score.

[AndySoCal]

The lender will use the middle score as the score for the home. Ask the loan officer which bureau represents the your middle score? Focus on the data reported to that bureau. Do not dispute anything with that bureau because doing so can change your up or down. The loan officer will not want to pull a new credit report unless absolutley needed,