my last inquiry was 11 months ago... nothing has changed on my credit reports all open up to date and ok ... I have 126,600 in available credit. And I and at 3% utilization.
My credit scores had remained stable for 9 months straight going up a few points here and there.
My experian Fico 8, 2 months ago suddenly went from 760 to 732 with no explanation and in 2 months its back up to 759 today... during that score drop my transunion and equifax stayed the same ... today my transunion suddenly went from 770- 742 again with no explanation I have been absolutely perfect on payments, inquiries, and utilization... I'm kinda getting sick of worrying about it anymore. No matter who i call or what report I get everything is in the green.
3 yrs 2 months longest credit, 1 yr 9 month ave. In the last 2 months 6 inquiries have drop off report..... I'm so confused about what's real and what's not.
@Talonwildstar wrote:my last inquiry was 11 months ago... nothing has changed on my credit reports all open up to date and ok ... I have 126,600 in available credit. And I and at 3% utilization.
My credit scores had remained stable for 9 months straight going up a few points here and there.
My experian Fico 8, 2 months ago suddenly went from 760 to 732 with no explanation and in 2 months its back up to 759 today... during that score drop my transunion and equifax stayed the same ... today my transunion suddenly went from 770- 742 again with no explanation I have been absolutely perfect on payments, inquiries, and utilization... I'm kinda getting sick of worrying about it anymore. No matter who i call or what report I get everything is in the green.
3 yrs 2 months longest credit, 1 yr 9 month ave. In the last 2 months 6 inquiries have drop off report..... I'm so confused about what's real and what's not.
It looks like the EX drop was from scorecard reassignment for AoOA passing 3 years. Do TU and EQ also give 3 years 2 mos for your oldest account, or are they slightly shorter?
Yes the both say 3 yrs 2 months... its sure frustrating lol .. Pen Fed sent me a pre approval with ended yesterday and I didn't do it because I didn't want my score to drop... now I'm like dang I just should have taken the hard inquiry lol... my transunion went up 1 point yesterday... then today -24 so strange .. equifax went up 17 points this month alone... I hope that doesn't change..
As of today Exp 759, TU was 770 this morn, 1 hour ago changed to 742, and equifax is 751
@Talonwildstar This is so wild my EX dropped 28 points today with no bad things/changes.....I wonder what is going on
@Anonymous I don't have any Deliquency, no Lates, no Collections, no BK's.....I did some digging because I too posted a Forum about it and the only conclusion we can come up with is that my Malibu's original open date hit 3 years and CLOSED, but I did refinance it in 2018 and it is still open and current so I am not sure what's going on and why there is a 3 year issue or even if it had perfect payments why a Drop for it closing at the 3 mark?! Can you ellaborate please.
@Anonymous Oh ok cool that actually does help ^^ Ty so will it get better in maybe 6 months or so or do I need to hit the year mark before it will more or less even back out?!