Score Dropped +100 points, no negs

[Remedios]

Just to further clarify, even if EQ had a split file, the other two would not follow that same example, which OP would understand had they done EX 3B trial, free EX score with monthly report or used Discover Scorecard, which happens to be free for everyone.

I totally understand venting aspect but right now it's counterproductive and contentious without any need for it. 

[Anonymous]

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@Remedios wrote:

Scorecard re-assignment would not cause a 100 point drop, regardless of Fico scoring model without a negative being introduced. It's just not that volatile. Maxed out card may come close, if that's the only one they have but OP did not address that.  

VS might, depending on what's going on. 

OP is also misunderstanding inability to get pass EQ verification vs. not having a score 

OP has been explained how to get his Fico scores and report for measly $1.00. 

So far, from what I can tell, that has not been done. Also, there is quite a bit of adversarial stance towards those who are trying to help them with what's going on with their  credit report. 

If OP is not willing to do their part and actually try to understand what's going on, not much else can be said other than making circular arguments. 

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My card usage is currently a couple hundred out of $12K, maximum has ever been about $2k, and always paid in full, usually even before billing date; I believe original post indicated that.

OP went to the one site suggested, and immediately responded that it indicated that my FICO was not available.  Also clearly responded to.

What is your problem?

[Anonymous]

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@Remedios wrote:

Just to further clarify, even if EQ had a split file, the other two would not follow that same example, which OP would understand had they done EX 3B trial, free EX score with monthly report or used Discover Scorecard, which happens to be free for everyone.

I totally understand venting aspect but right now it's counterproductive and contentious without any need for it. 

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Ok, to an admitted newbie, you're throwing around terms like "split file", etc.  what is so difficult about explaining things in a clear manner?  

Did I not clearly state that I was unable to get my bureaus online?  Did I not clearly state that I had requested them by mail and am awaiting results?  Did I not clearly acknowledge the feedback that some consider the bureaus irrelevant as compared to the FICO score and explain that regardless, I was seeking an explanation as to why the bureau scores themselves changed without explanation?  Did I not indicate that I went to the site provided for the FICO score, only to be told that the score was not available?

And where, exactly, where I was the least bit contentious with anyone?

[Anonymous]

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@Anonymous wrote:

I think the reason for the score drop is some older accounts "aged off" your reports. Anything that hits 10 years old and is not an active account ages off and can drop your score. Sorry if I was not clear about this in my long winded response. As SJ says you should have a score. That's really odd. You may have a miss matched file situation.

Another resource that can help you get to the bottom of this is annualcreditreport.com

This will not provide a score. This is the government mandated site that they credit bureaus have to give you one free report every 12 months. Since that site came about there are now many ways to get free reports. The site is still relevant because it is the most comprehensive report you can get. It is equivalent to the paper reports you get direct from the bureaus. Most online reports leave a lot of detail out that annualcreditreport and paper reports leave in.

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Thanks.  I don't know if the aging issue is relevant in this case; as far as the bureaus (which were the only scores I knew about, since they're the ones that changed), there were no older accounts reflected.  I don't know how many ways to say it without apparently appearing contentious or stubborn, but the summaries provided indicate no change in number of cards/accounts, no delinquencies, nothing.  Perhaps the written report will provide some useful details; I guess I'll just have to wait and hope it comes.  Thanks for trying to help. 

[calyx]

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@Anonymous wrote:

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Did I not clearly state that I was unable to get my bureaus online?  Did I not clearly state that I had requested them by mail and am awaiting results?  Did I not clearly acknowledge the feedback that some consider the bureaus irrelevant as compared to the FICO score and explain that regardless, I was seeking an explanation as to why the bureau scores themselves changed without explanation?  Did I not indicate that I went to the site provided for the FICO score, only to be told that the score was not available?

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Credit scores and changes in credit scores tend to make people emotional.   Something you need to remember is that FICO (and Vantage) scoring does not exist for the consumer (you and I), but is a risk assessment algorithm created for lenders.   Whatever it is, it is not arbitrary, even if it seems like that to us.

Usually the key to score changes lie in the negative reason codes that are given.   Unfortunately, we don't always have access to that codes.   Sometimes, it takes a while to suss out exactly what it is that has changed in the depths of our profile to figure out why a change happened (that's usually for small changes).

What I find odd is that there is enough information in EQ and TU to generate Vantage scores for you, yet cannot formulate a FICO score.  In my (admittedly) limited experience, Vantage likes to see 6months of data just as much as FICO (I could not get my VS scores for a while when I did not have 6 months of activity; yet I could get FICO - weird, but true).

You tried the credit check total site mentioned above - have you tried other sites like creditscorecard.com? (This is a free FICO score offered by Discover - you do not need to be a card holder) or any other sites?  Does your card offer a score?  Are you willing to pay for myFICO's scoring and try there?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

[clipped]

You mentioned you cannot get your score from Equifax. Don't bother. Equifax doesn't offer a FICO score direct to consumers. Go to Experian and do the $1 trial to get all three of your FICO scores.

www.creditchecktotal.com (this is an Experian site)

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So, apparently, there's not enough information to provide a FICO score.  Really?  I get it that I have only the one open card account, but seriously, 3+ years of payments on a single card is not enough to even generate a score?  So of course, I have to open more cards.  Sounds more like some sort of scam to get the card issuers more business in exchange for kickbacks, no doubt.  I'm starting to not even care.  Screw my credit rating, I don't need to borrow from anyone anyway.

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Maybe this post was misinterpreted?  Admittedly, I didn't make it explicit, but I thought it was clear.  I went to the site provided and was told there was not enough information to provide me with a FICO score; the suggestion was that I open more cards.

Sorry, if that was interpreted as a rant against the poster, though honestly, I don't really see how I could be interpreted as blaming him/her for my experience with the site...

[Anonymous]

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@calyx wrote:

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@Anonymous wrote:

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Did I not clearly state that I was unable to get my bureaus online?  Did I not clearly state that I had requested them by mail and am awaiting results?  Did I not clearly acknowledge the feedback that some consider the bureaus irrelevant as compared to the FICO score and explain that regardless, I was seeking an explanation as to why the bureau scores themselves changed without explanation?  Did I not indicate that I went to the site provided for the FICO score, only to be told that the score was not available?

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Credit scores and changes in credit scores tend to make people emotional.   Something you need to remember is that FICO (and Vantage) scoring does not exist for the consumer (you and I), but is a risk assessment algorithm created for lenders.   Whatever it is, it is not arbitrary, even if it seems like that to us.

Usually the key to score changes lie in the negative reason codes that are given.   Unfortunately, we don't always have access to that codes.   Sometimes, it takes a while to suss out exactly what it is that has changed in the depths of our profile to figure out why a change happened (that's usually for small changes).

What I find odd is that there is enough information in EQ and TU to generate Vantage scores for you, yet cannot formulate a FICO score.  In my (admittedly) limited experience, Vantage likes to see 6months of data just as much as FICO (I could not get my VS scores for a while when I did not have 6 months of activity; yet I could get FICO - weird, but true).

You tried the credit check total site mentioned above - have you tried other sites like creditscorecard.com? (This is a free FICO score offered by Discover - you do not need to be a card holder) or any other sites?  Does your card offer a score?  Are you willing to pay for myFICO's scoring and try there?

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Yes, I can't fathom why the site suggested couldn't provide the score.  I will try creditscorecard.com and myFICO.  Thank you.

[Anonymous]

Tried discover, they could't generate a score either; tried myFico, same issue - on hold waiting for a supervisor now trying to find out why...  maybe because I initiated a security freeze on my Experian a while back when there was one of those big credit breaches?

Update: so, supervisor at myFICO says it must be because I have still have a freeze on my Experian account, in which case they can't generate a FICO score (?).  So I call Experian who confirms that I don't have a freeze on it, but they're showing no activity for the last 6 months because my credit card must not have been reporting any activity (?).  Can't wait to call my credit card issuer and get a further run around...

[randomguy1]

Perhaps I may have missed it but who is your one credit card with? Is the name, birth date, and address correct with the issuer?

[Anonymous]

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@randomguy1 wrote:

Perhaps I may have missed it but who is your one credit card with? Is the name, birth date, and address correct with the issuer?

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Chase; it's an Amazon Prime Visa.  Address and all identifying details are unchanged.  I know they'd been reporting to the bureaus regularly, because I'd get notifications that my score went up or down a point or two because my balance might have gone up or down a few hundred dollars from one reporting date to the next.  But now Experian's telling me they haven't gotten reports for (at least) the last 6 months.  I don't know, maybe Chase has been reporting to TU and EQ, but not EX?  I have to call Chase this morning. 

UPDATE: Called Chase, and of course, they're reporting information each month to all three bureaus.  I call Experian back, and they're showing "no activity" because I have a zero balance.  I've heard that it doesn't help increase your credit rating if you pay off your balance before the reporting date, but am I now to understand that if I regularly pay it off before the reporting date, it actually prevents FICO from being able to generate a score?  

Not trying to be difficult; what am I not understanding here?