First of all, I have a bad FICO score to begin with. I am in the middle of a 5 yr Chapter 13 bankruptcy (33 months in). What I would like to know, is how in the world can my score go down 3 points today, from the score of three months ago? (My financial instution provides me with a score each quarter of the year). Nothing has changed on my credit files at all, I mean nothing. I have no active accounts. All bad accounts are closed, and included in chap. 13. I do have some "good" closed accounts. The only entry that is live is the chap. 13, and I would suspect that as each month goes by, the original filing date gets older, that just naturally, my score would increase a few points every three months or so, more or less. It can apparently go down, so why wouldn't it go up as my bad credit account (chap. 13) gets older? And what would be the reasoning for the score to drop, with no changes in my credit files? Am I missing something about the way the score is calculated?
