76pt decrease.. ouch

[Anonymous]

This is with Experian yes. I will be pulling all 3 reports on the 23rd for $1 (cct). 

[SouthJamaica]

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@Anonymous wrote:

This is with Experian yes. I will be pulling all 3 reports on the 23rd for $1 (cct). 

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I see that your signature shows 6 accounts, but Experian shows only 4 open accounts. Do you have any closed accounts which still have balances? If so that could be what's killing your score, as those are sometimes reported as maxed out cards.

[BallBounces]

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@SouthJamaica wrote:

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@Anonymous wrote:

This is with Experian yes. I will be pulling all 3 reports on the 23rd for $1 (cct). 

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I see that your signature shows 6 accounts, but Experian shows only 4 open accounts. Do you have any closed accounts which still have balances? If so that could be what's killing your score, as those are sometimes reported as maxed out cards.

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Nice thought. Going above 89% might result in that sort of drop ... maybe.

[Anonymous]

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@BallBounces wrote:

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@SouthJamaica wrote:

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@Anonymous wrote:

This is with Experian yes. I will be pulling all 3 reports on the 23rd for $1 (cct). 

---

I see that your signature shows 6 accounts, but Experian shows only 4 open accounts. Do you have any closed accounts which still have balances? If so that could be what's killing your score, as those are sometimes reported as maxed out cards.

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Nice thought. Going above 89% might result in that sort of drop ... maybe.

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My NFCU and Amex have yet to report as open accounts. Zero closed accounts.

[SouthJamaica]

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@Anonymous wrote:

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@BallBounces wrote:

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@SouthJamaica wrote:

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@Anonymous wrote:

This is with Experian yes. I will be pulling all 3 reports on the 23rd for $1 (cct). 

---

I see that your signature shows 6 accounts, but Experian shows only 4 open accounts. Do you have any closed accounts which still have balances? If so that could be what's killing your score, as those are sometimes reported as maxed out cards.

---

Nice thought. Going above 89% might result in that sort of drop ... maybe.

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My NFCU and Amex have yet to report as open accounts. Zero closed accounts.

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OK well I suggest you carefully go over your report from the day the score dropped and the report from the day before, to try to hone in on what caused the drop.

[Drwaz99]

As everyone else has suggested, there has to be another reason why there was such a dramatic drop. 76 pts is A LOT for just one revolver jumping to ~36%. To use as a comparison: My CFU posted a ~31% balance overnight (it was at 0% and I also went from 1% to ~9% agg utility) and my Experian only dropped 6 pts. My file is pretty thin, I am not AZEO (Barclays is showing a small balance) but I also have a 18K AU with no balance on it that's not shown in my sig.

[Anonymous]

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@SouthJamaica wrote:

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OK well I suggest you carefully go over your report from the day the score dropped and the report from the day before, to try to hone in on what caused the drop.

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Agreed, because the alert reason received (increase on that one card with overall low utilization) is not the reason for the score drop provided at the time, a very common misconception on this forum that they're always related.  It seems MF isn't the only source of this misleading practice.

[BallBounces]

Unless I am mis reading, it also sounds liek the OP has:

A very young AoYA

A very young AAoA

A flury of INQs.

New accounts, New INQs, and reduced AAoA, along with threshold and number of revolvers reporting could do it on a young thin file.

[NRB525]

The image shows “no loan activity” and your Self-Builder loan in your siggy says paid off.

When did that installment loan drop from reporting? Have you already gotten the score hit from “no installment loan”?

[Anonymous]

Found out why.. I booked an AirBNB back in March of this year and it turned out to be a scam.. drove 12 hours only to find a house belonging to a very confused family as to why I had a key (not the right one) for their house. Took pics/video evidence and had the homeowner write a statement and had it notarized. Disputed with CapOne and now in October.. they ruled against me. 

My Cap One secured is now overlimit by $475. I will be paying it in full before the next statement. Will my score recover?