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I really do not get it. I have three copies of my EXP Fico8 reports, roughly obtained three weeks apart. My score has dropped 21 points and all the items in the reports are identical!! If anything, I was expecting a small increase just because all accounts are aging and baddies are one month older. I had an initial large increase when my utilization dropped a month ago, but now that I am keeping low EXP seems not to like it. I am beginning to believe that it is really impossible to predict anything with these scores- I guess it is just a matter of trending and fluctuations.... long term. Any feedback? Thanks!
If you truley have not increased your balances or your UTi has not changed then call them and ask why?
@Anonymous wrote:If you truley have not increased your balances or your UTi has not changed then call them and ask why?
I did not know that was an option. I am getting another report in about 10 days after all my trade lines report updates again, and I will see what that one shows. If it did not go back up, I will definitely call EXP and ask.