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EX score dropped 27 points

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

EX score dropped 27 points

Yesterday my score was 645 and today it is 618!!!! I checked my reports and nothing happened.

I closed one credit card; Verve back in march and it updated on the April 2nd. It wasnt my oldest account though.

 

I did have one inquiry from Amex on Sunday. Now Im worried that they might close my new card. Should I be worried?

 

 

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 1 of 10
9 REPLIES 9
Valued Contributor

Re: EX score dropped 27 points

Something else happened. An inquiry or an account falling off shouldn’t cause that much of a drop. You need to scrutinize reports from before and after the drop to see what changed.


Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex





Entering the garden 5/27/2019, staying until 2020
Message 2 of 10
Frequent Contributor

Re: EX score dropped 27 points

I did. nothing else happened. my utilization is still the same.  no other accounts updated.

 

im really bummed Smiley Sad

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 3 of 10
Community Leader
Super Contributor

Re: EX score dropped 27 points

Did any of your derogs update by any chance? 

Completed disputes? 

 

 

EX 753 EQ 769 TU 755
Message 4 of 10
Frequent Contributor

Re: EX score dropped 27 points

i doubled checked my report. there was a collection placed by ERC from ATT for direct tv that was opened in 6/18. I disputed it as I didnt/dont have a direct tv account.

 

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 5 of 10
Community Leader
Super Contributor

Re: EX score dropped 27 points


@breezy78 wrote:

i doubled checked my report. there was a collection placed by ERC from ATT for direct tv that was opened in 6/18. I disputed it as I didnt/dont have a direct tv account.

 


So, did it come back as verified or is that brand new collection that caused a drop? 

EX 753 EQ 769 TU 755
Message 6 of 10
Frequent Contributor

Re: EX score dropped 27 points

brand new...i just disputed it like 5 mins ago. prior to i didnt have any collections on my reports.

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 7 of 10
Community Leader
Super Contributor

Re: EX score dropped 27 points

Sorry Smiley Sad

EX 753 EQ 769 TU 755
Message 8 of 10
Super Contributor

Re: EX score dropped 27 points

What is the source of your score?

Message 9 of 10
Frequent Contributor

Re: EX score dropped 27 points

CCT

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 10 of 10