Score Dropped +100 points, no negs

[Anonymous]

Recently noticed my score dropped from 770's to 650's, despite no new cards, no inquiries, no lates, no derogatories. I filled bankruptcy about 14 years ago and was reluctant to use credit cards again for a long while, so I have only one card (paid on full each month, usually even before billing date), less than 4 years credit history and only $12K limit, but I'd managed to work myself to a decent score over the past few years, and it's frustrating to see it drop suddenly, dramatically and without apparent explanation. Any way to hold the agencies accountable for arbitrary (or at least unexplained) scores?

[Brian_Earl_Spilner]

Your score doesn't drop for no reason. Have you pulled your reports yet?

[SouthJamaica]

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@Anonymous wrote:
Recently noticed my score dropped from 770's to 650's, despite no new cards, no inquiries, no lates, no derogatories. I filled bankruptcy about 14 years ago and was reluctant to use credit cards again for a long while, so I have only one card (paid on full each month, usually even before billing date), less than 4 years credit history and only $12K limit, but I'd managed to work myself to a decent score over the past few years, and it's frustrating to see it drop suddenly, dramatically and without apparent explanation. Any way to hold the agencies accountable for arbitrary (or at least unexplained) scores?

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1. What scores are you referring to?

2. Where are you getting them from?

3. What are the differences in your report from before the score drop and afterwards?

As @Brian_Earl_Spilner pointed out, scores don't drop 100 points without some significant change(s) in the data.

[Anonymous]

Thanks for the replies. So far, I've only been able to get basic info from Credit Karma and Credit Sesame, which report no delinquencies, no inquiries, no negative marks, no change in credit limit/usage.  I had a nightmare trying to get reports online from Equifax because they couldn't verify me ( I couldn't remember the date I'd applied for my credit card, or something ridiculous), so I had to request the actual reports by mail last week and am still waiting...  If CK and CS report no late payments (I have only the one card, and no doctor's bills or anything else in collections), I don't know what else it could be...

[Anonymous]

closed accounts that are positive will keep reporting for 10 years, and when they fall off that can cause a score drop like this. that might be what did it.

[Anonymous]

Again, where are you getting your score from?

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:
Recently noticed my score dropped from 770's to 650's, despite no new cards, no inquiries, no lates, no derogatories. I filled bankruptcy about 14 years ago and was reluctant to use credit cards again for a long while, so I have only one card (paid on full each month, usually even before billing date), less than 4 years credit history and only $12K limit, but I'd managed to work myself to a decent score over the past few years, and it's frustrating to see it drop suddenly, dramatically and without apparent explanation. Any way to hold the agencies accountable for arbitrary (or at least unexplained) scores?

---

1. What scores are you referring to?

2. Where are you getting them from?

3. What are the differences in your report from before the score drop and afterwards?

As @Brian_Earl_Spilner pointed out, scores don't drop 100 points without some significant change(s) in the data.

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Credit Karma shows my TransUnion dropping 113 points; no hard inquiries, 3 total accounts, (2 of which I naively closed over a year ago, no delinquencies), 0% credit card utilization, 100% payment history; changes noted are increase in credit limit on my card from $9k to $12K; and a remark added to my account: "account information disputed by consumer, meets FCRA requirement", which I assume is from when I called my credit card in a panic a week and a half ago, wondering what the hell they might have reported to cause my score to drop.

[Anonymous]

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@Anonymous wrote:

closed accounts that are positive will keep reporting for 10 years, and when they fall off that can cause a score drop like this. that might be what did it.

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Thanks, I realized afterwards that I shouldn't have closed those accounts I didn't need because it ended up shortening my credit history, but  that short credit history (3 years, 9 months at this point) had already been reflected in my scores for well over a year...

[Brian_Earl_Spilner]

Credit karma and credit sesame give you your VantageScore. There are differences between how they get a score and fico gets their score. For example, VantageScore doesn't count closed accounts in Average Age of Accounts. Closing a card would cause your score to drop on VantageScore, but not FICO. Pull your FICO score and if you really don't have any derogatories popping up, your FICO score a should be fine.

[Jnbmom]

Yes get your actual FICO, as these sights offer free and really useless scores and should only be used for monitoring purposes only.