Why woul my score drop 81 points and the only activity I show is
1. Paid a collection off
2. Paid down credit card $160 with a new balance of $180 and limit of $2500
3. Paid down Student loan $75
4. Paid collection down $50
I was in the process of buying a house and now I am unable because of this and my preapproval is now out the window.
I am monitoring both Vantage with Credit Karma and Fico with MyFico.com, I am not sure what Credit wise uses
You should only pay attention to what a credit monitoring service (CMS) says about your scores if the scores it gives are FICO scores. Non-FICO models can behave wildly differently from FICO models -- and lenders do not use them for decisions.
And even if the scores from a CMS are indeed FICO scores, you need to ask yourself whether your lender will be using this particular model. For example, it sounds as though you have the myFICO Ultimate CMS. It will likely give you updated FICO 8 scores in the next 3-4 days. But these are not your mortgage scores, and again the FICO 8 model can behave very differently from the FICO mortgage models.
Is there any other sites you recommend to get the 3 Fico scores? I am not sure when my score will update on MYFico.com
Do you have the $30/month version of myFICO Ultimate, or the one that costs $40/month?
When was the last time you got a full 3B report from myFICO Ultimate (with roughly two dozen FICO scores)?