Thanks for your replies.
This is what I got
- You have a serious delinquency (60 days past due or greater) or a derogatory description on your credit report.
- You have multiple accounts showing missed payments or derogatory descriptions.
- You’ve recently missed a payment or the date of your most recent payment is unknown.
- You've made heavy use of your available revolving credit.
Trust me! the delinquencies are old news and I even completely paid off an account that was in collection and I'm almost paid with another one. My other accounts are in good standing and I haven't had a late payment since April 07. I have not used any of my credit cards for a very very long time.
Underneath is this
Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if:
- There was a change on your credit report that lowered your score but did not trigger an alert. For example, the balance on an account might have increased enough to lower your score, but not enough to trigger a balance increase alert.
- You moved from one category of credit users to another as time passed. For example, you may have transitioned from the category "consumers with a new credit history" to the category "consumers with a two- to five-year credit history". As a result, your credit report is evaluated differently, causing a slight change in your score. The good news is that moving between categories like this usually offers you the potential to reach a higher FICO score in
I transitioned when I lost 8 points. What the hell I'm still transitioning? This is weird! The one time one of my cards has seen the biggest payment in the history that I've had it and I lose points. It makes no sense!
