Equifax 5,4,2 Scores (Mortgage, Auto, Bankcard) all had hefty falls

[Anonymous]

Ok I pulled a Myfico 3b to do a check before applying for a mortgage.  I did it a little early as Equifax had not updated a utlization balance dropping from 20% to 8%. Transunion and Experian did and I got a mild boost. HOWEVER my Equifax 4,5,2 suite of scores took a big hit of  ~15 points from the 6th of this month, all other equifax scores stayed the same.

                                            6th                 19th

Equifax Mortgage            655              637

Auto 4,5,2                           658              643

Bakard 4,5,2                       666              651

FICO 8                                   681            681

fico 9                                     671            671

Any ideas where I should be digging to figure out what caused this 15 point decrease across the board? 

Utilaztion on Equifax stayed the same between the 6th and 19th

No baddies got updated. No inquries, and no new accounts

[tooleman694]

Maybe an old account fell off

[Anonymous]

Thanks will see if that happened. 

[tooleman694]

One time my EX mortgage score dropped almost 20 points, Fico 8 didn't move. I could never figure out why.

[Anonymous]

Yeah, I am going over my 3b from 4/6 and today and literally there is no difference. Both my transunion and experian went up. I am at lose and it sucks becasue this was my middle score. Oh well. My experian had a funny movement a cuple months ago when I got my last colection removed. EX and TU both went up 40 or so points. Experian? 9 point drop. 

[Anonymous]

@tooleman694 

Do you happen to remember if the scores recovered naturally? and if so how long?

[tooleman694]

Yeah for me for EX was my highest, now its my lowest. Can't seem to get that one over 680. Used to be though.

[tooleman694]

Can't figure out how to get those points back. Odd thing is, my EX is my cleanest report but has the lowest score.