Score decline

[newfossil]

I just got an alert that my score went down 43 points. Nothing changed except. My oldest card turns 3 years this month and I recently closed a card that should not have effected my utilization. Does it hitting 3 years change things or did I shoot myself in the foot by closing a $200 secured card?

[AllZero]

---

@newfossil wrote:

I just got an alert that my score went down 43 points. Nothing changed except. My oldest card turns 3 years this month and I recently closed a card that should not have effected my utilization. Does it hitting 3 years change things or did I shoot myself in the foot by closing a $200 secured card?

---

Yes, segmentation factor at 3 years AoOA.

See message one and four of primer.

From Birdman7
General Scoring Primer and Version 8 Master Thread, pub.5.17.20

[newfossil]

Thank you

[Mr_Mojo_Risin]

---

@newfossil wrote:

I just got an alert that my score went down 43 points. Nothing changed except. My oldest card turns 3 years this month and I recently closed a card that should not have effected my utilization. Does it hitting 3 years change things or did I shoot myself in the foot by closing a $200 secured card?

---

This happened to back in September.

My oldest account turned 3yrs and I also added an auto loan and CC, I got absolutely destroyed. I lost 80 points on TU and 70 I believe on EQ. EX was lower than those 2.

Other members have had posts about this happening to them as well.

@AllZero  gave you an excellent link to research this.