Experian FICO 9 Dropped After CLI

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Only thing I could possibly think of is utilization? Maybe. If your CR's are reporting 0% 

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I went ahead and signed up for Experian. It is showing 0% utilization reported as of today.

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Is it (a) the aggregrate balance being rounded down to 0%, or (b) all revolving accounts reporting actual zero balances?

If the former, that would not account for a score drop; if the latter, yes that could account for the score drop.

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The former

[Anonymous]

Did one of the three balances recently report? Bringing you up to 50% of revolvers with a balance?

[Budoka]

Following this thread closely as I had the exact same thing happen to me. The only difference is that none of my cards are reporting 0% at the time of the drop. The only thing that changed in the month was a CLI on my Discover card. What else could be going on? Is the new FICO already in use from March 1?

[Anonymous]

@BudokaThat depends, each case specific. You could've had your scoresheet reassigned. No way to know without all your details of clean/dirty, # of accounts, AoOA, AoYR.

No 10T is not in use!