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Cli dropped my score 43 points

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DanteHicks37
New Member

Cli dropped my score 43 points

I know inherently this sounds crazy but the increase legitimately is the only thing that changed and my score went from 808 to 765. The Cli was 12K so it was significant but all that should have done is help my utilization.  Any thoughts would be helpful. And before there is a bunch of it couldn't be the CLI, there wasn't any other change.

 

 

Message 1 of 37
36 REPLIES 36
GZG
Valued Contributor

Re: Cli dropped my score 43 points

What score dropped, where did you get it?

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Message 2 of 37
pizzadude
Credit Mentor

Re: Cli dropped my score 43 points

Moving to Understanding FICO Scoring

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 37
Horseshoez
Senior Contributor

Re: Cli dropped my score 43 points


@DanteHicks37 wrote:

I know inherently this sounds crazy but the increase legitimately is the only thing that changed and my score went from 808 to 765. The Cli was 12K so it was significant but all that should have done is help my utilization.  Any thoughts would be helpful. And before there is a bunch of it couldn't be the CLI, there wasn't any other change.

 

 


I agree with @GZG, where are you getting your scores from?  I you're using the likes of CreditKarma, NerdWallet, WalletHub, or most of the free scores provided by credit card companies, there is a pretty good bet they're Vantage 3.0 scores which are basically irrelevant.

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  • Filed: 26-Feb-2015
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  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
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Message 4 of 37
Thomas_Thumb
Senior Contributor

Re: Cli dropped my score 43 points

CLIs do not trigger a score drop on VantageScore. A CLI does not cause a score drop with any of the Fico algorithms either.

 

If you don't know what caused the score drop, that's ok.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 5 of 37
SouthJamaica
Mega Contributor

Re: Cli dropped my score 43 points


@DanteHicks37 wrote:

I know inherently this sounds crazy but the increase legitimately is the only thing that changed and my score went from 808 to 765. The Cli was 12K so it was significant but all that should have done is help my utilization.  Any thoughts would be helpful. And before there is a bunch of it couldn't be the CLI, there wasn't any other change.


The CLI did not cause the score drop.  Something else caused it.

 

In order to know what caused the score drop, you would need to know what date the score change occurred, and you would need to see your report from the day of the score drop and your report from the day before the score drop.


Total revolving limits 650200 (529700 reporting) FICO 8: EQ 706 TU 714 EX 715

Message 6 of 37
DanteHicks37
New Member

Re: Cli dropped my score 43 points

While I do use a number of resources, this came from Transunion directly which does use Vantagescore

Message 7 of 37
DanteHicks37
New Member

Re: Cli dropped my score 43 points

Directly from Transunion which does use Vantage

Message 8 of 37
pizzadude
Credit Mentor

Re: Cli dropped my score 43 points


@DanteHicks37 wrote:

Directly from Transunion which does use Vantage


I wouldn't waste any time trying to understand Vantage score drops, it's not widely used and can change frequently.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 9 of 37
DanteHicks37
New Member

Re: Cli dropped my score 43 points

The only change was the CLI from the day before. Score went 808 to 765.

Message 10 of 37
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