myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

45 points drop when nothing changed

Paranoid
Contributor
‎07-05-2022 01:48 PM
‎07-05-2022 01:48 PM

45 points drop when nothing changed

Hi! Could someone please help me figure out what happened to my credit score? Got a drop of 45 points today for no apparent reason. I am attaching screenshots of Capital One and Credit Karma. There were NO changes with credit cards on my part. No missed payments, no new credit cards, nothing!

pic1.jpgpic2.jpgpic3.jpg

BoA CR (2), CITI DC, Chase FF, AmEx BCE, Disc It, UMB SR, USB C+, CO WMT, Synch TJX, TD TGT, CITI CC, Elan MCP, Synch PPMC, Synch PPC
Message 1 of 6
0 Kudos
Reply
5 REPLIES 5
pizzadude
Credit Mentor
‎07-05-2022 02:02 PM
‎07-05-2022 02:02 PM

Re: 45 points drop when nothing changed

I wouldn't spend a lot of time worrying about it, the Vantage scores on CreditKarma are not FICO scores and aren't widely used by lenders

 

Have you pulled any FICO scores recently to see where you stand ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 6
Reply
Paranoid
Contributor
‎07-05-2022 04:40 PM
‎07-05-2022 04:40 PM

Re: 45 points drop when nothing changed

Thank you for your response! I logged in to Experian website and it seems that my FICO credit score even increased! What a strange story...

pic4.jpg

BoA CR (2), CITI DC, Chase FF, AmEx BCE, Disc It, UMB SR, USB C+, CO WMT, Synch TJX, TD TGT, CITI CC, Elan MCP, Synch PPMC, Synch PPC
Message 3 of 6
Reply
OmarGB9
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎07-05-2022 05:18 PM
‎07-05-2022 05:18 PM

Re: 45 points drop when nothing changed

Yea Vantage scores are weird and highly volatile. But the good news is that they're not really used, so as mentioned above, I wouldn't worry. Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 6
Reply
mfinsmi1
Established Contributor
‎07-08-2022 07:18 PM
‎07-08-2022 07:18 PM

Re: 45 points drop when nothing changed

i agree with everyone credit karma can drop out of no where and can drop a lot while your fico may stay the same / never drop - but from what i saw from your screenshot your balances increased which means your overall utlization must have went up - that generally causes a negative impact on your credit score 

Personal Cards:

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 5 of 6
0 Kudos
Reply
FireMedic1
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎07-09-2022 02:45 AM
‎07-09-2022 02:45 AM

Re: 45 points drop when nothing changed

Click on "See what Changed". It will tell you why.



Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my rebuild after BK from learning here. Started 540's. FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.

Message 6 of 6
Reply
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.