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Help Score drop 34 points over night with NO CHANGE

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Frequent Contributor

Help Score drop 34 points over night with NO CHANGE

Ok Community I need some help, my wife score dropped 34 points over night..... Please look at the pictures below

November 29thNovember 29thDecember 1stDecember 1st





Message 1 of 29
28 REPLIES 28
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Frequent Contributor

Re: Help Score drop 34 points over night with NO CHANGE

The only change I can see is that the total credit increased by $4000. Not sure how a CLI would drop the sore. Any new cards or accounts that may just not be showing yet?

Message 2 of 29
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Established Member

Re: Help Score drop 34 points over night with NO CHANGE

I see the total credit available changed?

Did she request increase? Did anything get added? Or closed?

Also did she dispute anything recently?
Message 3 of 29
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Valued Contributor

Re: Help Score drop 34 points over night with NO CHANGE

34 points is a big drop.

That sounds like a derog hitting your report.. 

 

Have you checked your report yet?




Message 4 of 29
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Frequent Contributor

Re: Help Score drop 34 points over night with NO CHANGE

Derog - none - Checked in 10 times, no late, no collection, nothing - that was my first guess

Inquires - 2 new ones - BUT the same 2 was showing in the November 29th report - so nothing changed

2 New accounts added in NOVEMBER - again, shows in the November 29th report with the higher score - so nothing changed their either

Limit increases - Yes - but again it was on the November 29th report so nothing changed their either...

 

so confused.





Message 5 of 29
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Valued Contributor

Re: Help Score drop 34 points over night with NO CHANGE

Are you an AU on anything? 




Message 6 of 29
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Established Member

Re: Help Score drop 34 points over night with NO CHANGE

Probably just an error. My equifax dropped randomly 100 points one week then bounced back to normal the following. I’d just give it a few days and refresh report
Message 7 of 29
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Frequent Contributor

Re: Help Score drop 34 points over night with NO CHANGE


@VIPERLTDMYFICO wrote:

Limit increases - Yes - but again it was on the November 29th report so nothing changed their either...

 

so confused.


In the images you posted, there is a $4000 difference in the total credit between the two reports.

 

Message 8 of 29
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Frequent Contributor

Re: Help Score drop 34 points over night with NO CHANGE

Sorry, yes one of the CLI posted on Dec 1st.  a CLI went from $6000 --> $10,000 it happened in November but it posted December 1st.  But wouldn't that increase the score not drop the score ?

 

Thank you all again in advance.

 





Message 9 of 29
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Established Contributor

Re: Help Score drop 34 points over night with NO CHANGE

I don’t know. I had my limit increase recently and drop utilization and lost 1 point. But it was an AU account.
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 10 of 29
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