Just pulled a 3b and my scores from just three weeks ago went down 20-32 point per each agency. Makes zero sense based on everything I have learned on these boards for years, no new cards or credit lines, utilization decreased from 9% to 6% in the past three weeks, no new inquiries and only have one on any of my reports at all and that is 23 months old falling off next month. No late's, no collections, no public records... only change is just the decreased utilization from 9% to 6% but how would that explain a decrease in score pretty drastic decrease actually.
Do you have a seedling?
You didn't mention AoYRA, AAoA, AoOA, number of accounts reporting a balance, etc.
You didn't mention AoYRA, AAoA, AoOA, number of accounts reporting a balance, etc.
Everything the same or better, only one account of 28 reporting a balance, Average age of credit is over 15 years no changes no new cards or accounts only reporting balance is $1166.00 one $20k limit NFCU card.... only other change at all that still would not make sense is that a few weeks ago car loan balance was at $5k but we paid it down to only one payment left so it updated to a balance of $395.00... Scores were at 821, 796 and 815 two weeks ago... now 784, 772, 791 so all three got hit by something but what zero changes except a decrease in utilization form 9% to 6% and car loan balance paid down to 99% versus what was 87%. This does not make any sense to me based on everything I have learned for several years on this board.
I'm not quite sure. I was going to guess score card segmentation but you got heavy points loss so that should not be it.
Maybe pull your reports and look at the before and after.
AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.
I know.. this is just very strange and as I am quite good at this now... scary as I can't find an answer I have heavily compared all three reports from today pull and exactly three weeks ago... it does not make sense based on anything all of us know and work towards on this board.
See if one of your old accounts in good standing was deleted after 10 years!
e checked that as well nothing delted actually nothing that would be deleted as all are still active accounts. for the past four years, nothing to fall off etc.
@lot08 wrote:Just pulled a 3b and my scores from just three weeks ago went down 20-32 point per each agency. Makes zero sense based on everything I have learned on these boards for years, no new cards or credit lines, utilization decreased from 9% to 6% in the past three weeks, no new inquiries and only have one on any of my reports at all and that is 23 months old falling off next month. No late's, no collections, no public records... only change is just the decreased utilization from 9% to 6% but how would that explain a decrease in score pretty drastic decrease actually.
Hope you have an "AHA!" moment after re-scrutinizing your reports and checking everything to find out what was the cause for the drop.
Something triggered it especially due to the fact it occurred across the bureaus and was not just specific to one CR.
Good luck on figuring it out!
