I can't figure out this score drop

[meeklo062704]

My utilization hasn't been great lately, so my scores had been in the 650 range. I had utilization around 74%, but I managed to get a cli from Amazon of $3,000. My utilization went down to 47%, and my scores went up just passed 700... For about an hour. Right after equifax went down by 73 points, and transunion went down by 56 points. Never a late payment, zero inquiries in 2 years, and no new accounts.

The only things out of the norm was an inquiry from a year from synchrony for Amazon that they said was a mistake and removed it. Also an app for futurepay where they goofed and ran my shipping address as my mailing address so it got stopped for fraud. I checked, and there are no inquiries resulting from it.

Could either of those 2 things have dropped scores that much? I can't think of any other reason it would go up that much, then down even more right away.

[Anonymous]

The way to check is compare the reports side by side. Perhaps a very old closed account dropped off. Other thing could be a rebucket

[meeklo062704]

My Amazon account has the account insurance thing, I forget what they call it. I spent almost to the limit one month, and didn't account for it, so it put me like $4 over the limit. The cli on Amazon went well passed that. What else could cause a rebucket?

I'm assuming it's something to do with Amazon or the fraudulent goof. My wife is an AU on everything except Amazon, and her score didn't drop at all.

[rmduhon]

Where are you getting your scores from?

[meeklo062704]

The changes showed on credit karma, credit sesame, and capital one.

[rmduhon]

Those are all Vantage scores, which very few lenders use and which fluctuate wildly. Don't worry about it

[meeklo062704]

Ok. I was planning on paying down my current cards, and applying for some better ones. I figured zero inquiries in the last 2 years is a long enough garden period.

[rmduhon]

I'd suggest getting the 7 day trial from creditchecktotal.com for your actual FICO 08 scores, unless you plan on getting a car loan or mortgage in the near future. In that case, I'd suggest getting your scores from here as MyFico provides those scores.

[meeklo062704]

Will getting the real fico 08 scores cause an inquiry?

[rmduhon]

No. Any time you pull your reports or scores it's a soft pull which can't be seen by anyone but you.