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Help Score drop 34 points over night with NO CHANGE

Regular 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

766.pngNovember 29th734.pngDecember 1st



Message 1 of 29
28 REPLIES
Regular 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
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
Established 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
Regular 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
Established Contributor

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

Are you an AU on anything? 

Message 6 of 29
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
Regular 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
Regular 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
Frequent 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.
BB&T Spectrum Rewards, Discover IT, Capital One Platnium, Open Sky, Green Dot, NFCU Go Rewards - AU Citi Sears, Capital One Quicksilver, Amex Cash Magnet, Amex ED, Chase Sapphire Preferred, NFCU Plat, Chase FU

Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575
Updated 11/2018







Message 10 of 29