Really bummed out to see my Exp. FICO score go from 700 in March 2014 to 565 May 2014. I have worked hard for 3 years to build my credit score preparing to get a mortgage and checked it yesterday to discover this drastic drop. I haven't been using credit cards at all and do not have any debt at all. I went from a FICO of 646 3 years ago to 700 now 565........ Just doesn't make any sense 
What in the world.... When I was struggling it never went as low as 565
@Anonymous wrote:Really bummed out to see my Exp. FICO score go from 700 in March 2014 to 565 May 2014. I have worked hard for 3 years to build my credit score preparing to get a mortgage and checked it yesterday to discover this drastic drop. I haven't been using credit cards at all and do not have any debt at all. I went from a FICO of 646 3 years ago to 700 now 565........ Just doesn't make any sense
What in the world.... When I was struggling it never went as low as 565
Just to be clear, you pulled your scores from myFICO in March and again in May -same bureau Experian and your scores dropped 135 points? Have you checked your reports for derogs? Are all your TLs reporting?
@Anonymous wrote:Recently MyFICO did their upgrade and that is when the drastic change took place. Any derogs on my report were dated back in 2010, is it possible this upgrade caused it?
The upgrade was for EQ not EX. If you are pulling EQ and do not have any revolving TLs it could be the reason.
@Anonymous wrote:Correction... That was an Equifax report.
So how can I improve this score? Will Experian and Transunion's report differ?
Sounds like you need to pull your actual CR's. You are entitled to a free copy each year from annualcreditreport .com. Depending on what items are reporting on your reports will determine if they differ. Scoring for each bureau may or may not be close based on which scoring model is used.
After you pull your reports, update this thread.
Moving to Understanding FICO Scoring
@Anonymous wrote:Correction... That was an Equifax report.
So how can I improve this score? Will Experian and Transunion's report differ?
Get a pair of credit cards (or slightly better, 3), and then follow the balance reporting advice on these forums 
. They'll likely be a straight boost, you may need to do secured cards at 560 depending what the rest of your file looks like.
All three reports are independent, but in general if the data is the same the scores will be similar assuming they're the same version (i.e. Experian and Equifax here at myFICO are the same version, the Transunion score is very different).
I'm pretty astonished though at a 100+ point drop for not having credit cards, I would've thought that would've been a far larger negative on the older EQ '04 version as well. I would recommend as Lexie suggests, do a careful read of the two reports and make certain theyre both the same as that differential does sound sucpect to me but it's possible since virtually nobody on these forums has zero credit cards or other revolving tradelines on their report.
