@Anonymous wrote:According to myfico it is 53rd they say 2018 but the account was opened in 2015 it was a credit card and I was a authorized user.
yes it is on all three
Hm. The reason I asked the above questions is that aging changes, which occur on the first of the month, are a common cause for credit score changes that don't appear to have a reason, and the date range during which this change occured includes May 1. Unless an account has fallen off of a person's report, the only real way that aging can cause a negative change is when, on a clean file, the oldest account aging to three years causes scorecard reassignment, resulting in a temporary score drop. Normally, you'd see it across all three bureaus unless a bureau had an account the others didn't.
So, from what you said, it's still a possibility that that's what happened here if the AU account is reporting strangely between the bureaus, but it could also not be and we need to look at a few more things:
1) Do you have any delinquencies more severe than isolated 30D's? (Forgot to ask that earlier.)
2) What date in 2018 does MyFICO say the AU account was opened?
3) On your reports pulled directly from www.annualcreditreport.com, what is listed for the open date of the AU account in question on each bureau?
@Anonymous wrote:Last night I pulled all three from annualcreditreport
1) Do you have any delinquencies more severe than isolated 30D's? (Forgot to ask that earlier.)
yes, 53rd credit card I am in the process of trying to get the issue resolved, I can give you more info if it is helpful.
transunion 60 days 02/20 - 60 days 01/20
Experian - doesn't appear
Equifax - 60 days 01/20
2) What date in 2018 does MyFICO say the AU account was opened?
Feb 2018 is as far back as the payment record goes but the open date was 05/2014
3) On your reports pulled directly from www.annualcreditreport.com, what is listed for the open date of the AU account in question on each bureau?
Equifax - 20th May 2014
Experian - no recordTransunion - 20th May 2014
So the only lates are on the 5/3rd AU card, and that tradeline doesn't appear on your Experian ACR? What your oldest tradeline on that report, and what was its open date?
@Anonymous wrote:yes the only lates are with 53rd
the only other issue with my report is a medical collection in 2019
yes it doesn't appear on the experian credit report
oldest tradeline on experian is an American express credit card going back to Oct 2014 I was a AU on that card as well
What's the amount of the medical collection and when was the oldest non-AU tradeline on your EX report opened?
Okay, the +$100 medical collection on EX means that that bureau is also on a dirty card, so it couldn't be scorecard reassignment to mature, even if the open date for either oldest line or oldest non-AU line had been 5/2018. But there was something that happened on your EX report (and probably not the other two) between 4/30 and 5/7 that caused a score drop. If you want to post your complete profile data for each bureau from before and after the score change, we can help you look through it and see if there's anything else there that would help explain it.
@Anonymous wrote:Okay understood, what's a "dirty card"?
FICO divides profiles into different scorecards based on information in the profile, and a scorecard is just an algorithm that weights things in a profile differently than the other scorecards for the same version. FICO8 has 12 scorecards, four of which are for profiles with derogatories worse than isolated 30D. Those four are called "dirty" cards, and the eight for profiles w/o such a derogatory are called "clean". You can read more about it in @Anonymous's excellent scoring primer.