Score Drop of 69 points..

[bigred1967]

For some odd reason it updated to paid loan this is a paid credit card.

[bigred1967]

Great info but that just ruined my home loan I give up...

[Anonymous]

OP, you need to look at your credit report and see what adverse change (paying $11 down on a CC isn't one) could have caused a 69 point drop. Such a score drop would be from something pretty major IMO. Depending on what it is, theres a chance you could get the adverse event turned around, then back would come your score immediately.

[bigred1967]

Absolutely nothing changed other than being added as an authorized user on a $5000 lowes card with 150 balance and no lates

[Anonymous]

Something else changed to cause the drop. You need to get your paper report and go over it with a fine tooth comb.

[Anonymous]

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Absolutely nothing changed other than being added as an authorized user on a $5000 lowes card with 150 balance and no lates

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While that may appear to be the case, I can assure you that the 69 point drop you experienced is evidence that something else in fact did change.

[arkane]

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@bigred1967wrote:

Absolutely nothing changed other than being added as an authorized user on a $5000 lowes card with 150 balance and no lates

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Are you 100% sure it had no lates? 69 points seems just about right for a recent 30 day late.

[bigred1967]

None ever but she did say she called lowes the other day because they were only reporting $3300 as the credit limit noy the $5000 she actually has. So that may have triggered a dispute and maybe temporarily caused the dip. Is that possible?

[bigred1967]

Credit limit

$3,300

Minimum monthly payment $36 Opened Jun 7, 2016 (1 yr, 9 mos)

Payment History

Last payment Mar 2, 2018 Current Payment Status Current Amount past due $0 Worst Payment Status No Info

Account Details

Account status Open Type Charge Account Responsibility Authorized User Remarks Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0

[Remedios]

Aren't accounts under dispute temporarily excluded from scoring?