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Me and DW both hit 3 years for oldest account age and had significant score drops. I had one drop 20 and DW had one drop 15 and two drop 22 points. I checked hers and mine less than 2 weeks ago and no balances or inquiries have changed since then. I don't see any other changes. Any thoughts on this? Rebucket at 3 years?
Do you at least have one card report with a balance? If not that could be the reason?
Yes.
@Poppa wrote:Me and DW both hit 3 years for oldest account age and had significant score drops. I had one drop 20 and DW had one drop 15 and two drop 22 points. I checked hers and mine less than 2 weeks ago and no balances or inquiries have changed since then. I don't see any other changes. Any thoughts on this? Rebucket at 3 years?
Where are you getting the scores from?
Are they true Fico scores? Or Fako scores from Credit Karma etc... ?
CCT Fico 8 scores
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
I've heard of this happening from rebucketing
@Poppa wrote:I've heard of this happening from rebucketing
i haven't if i was you i would look very close to your past and current reports and look at dates anything different etc. Any new lates? So Sorry OP
I haven't seen anything on either mine or hers. It happened to both of us. Nothing showing on CCT or Discover's Experian scorecard or Experian's website or Wallethub or Credit Karma etc...I check our credit continuously.
@Poppa wrote:I haven't seen anything on either mine or hers. It happened to both of us. Nothing showing on CCT or Discover's Experian scorecard or Experian's website or Wallethub or Credit Karma etc...I check our credit continuously.
Since it happened to both of you, the first thing I would scrutinize are joint accounts.
Credit cards, loans etc... something has changed.
I wouldn't be using alerts to figure this out. Pull your reports from: https://www.annualcreditreport.com/index.action