Agreed. It was not the hard pull. Something else had to have hit your CR.
I hope it's not a White Rabbit you're chasing.
Good Luck!
@Anonymous wrote:Thanks, everyone. Took a look at my CRs yesterday and nothing, I mean nothing has changed. I literally have one derog from Verizon for like $127 that's over a year old. Otherwise, all my other items are in never late status and there's nothing new showing. The Verizon thing was there originally when I checked it a month ago & my scores were higher and the status never updated or changed with the derog. Weird.
One interesting thing: I suddenly got an email from Credit Karma this morning saying "a mortgage lender checked your score on June 29" (yesterday) but it's not showing anywhere. We're working on getting a higher prequal amount so I wonder if my loan officer pulled it one more time so they dipped? It's only showing lower for the TransUnion score. Still baffled!
If you are getting your information from CK or others like CK. They are not reliable. CK is a tool only to look at your credit. Their scoring algorithm is all wonkey. Your best bet is to get an actual credit report and see what that is telling you. Even if your LO "double dipped" it woldn't create a 70pt drop in score. A drog will. Example when I closed on my house I had that reporting new to my credit, then my mortgage was sold 2 more times after that in the next month or 2. Each time I got a 5pt hit. Each time reporting as no longer having a mortgage and then having a new mortgage the next month.
Again CK is good to reference and they are quick to look at. But you still need to verify facts. 70pts is not a HP.
Best of luck!