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Score drop but no change on credit report?

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CBrent
New Contributor

Score drop but no change on credit report?

Any ideas why my TU FICO score would drop five points despite no change to my TU credit report? I pulled my TU report through MyFICO this morning after getting the alert, but everything on the report is exactly the same as it was about two weeks ago.  

Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: Score drop but no change on credit report?

It could be the algorithm catching up, especially if you've had a lot of changes in the past few months. It could be as simple as a negative account that hasn't updated in a few months sending a fresh update (so, even though there's no change in balance or status, they recently reported the status quo, and that recent reporting stings a little more.)

 

Don't sweat the little dips here and there. I know it's hard when you're rebuilding and you want to see every little point gain, but in the grander picture, those little fluctuations for normal credit activity (small increases in utilization, a new account reporting) are going to happen. Focus on doing the right things, and your overall gains. It'll keep you saner than plotting every little dip!  Smiley Wink

Message 2 of 6
CBrent
New Contributor

Re: Score drop but no change on credit report?


@Anonymous wrote:

[...]

 

Don't sweat the little dips here and there. I know it's hard when you're rebuilding and you want to see every little point gain, but in the grander picture, those little fluctuations for normal credit activity (small increases in utilization, a new account reporting) are going to happen. Focus on doing the right things, and your overall gains. It'll keep you saner than plotting every little dip!  Smiley Wink


Thank you. That's very good advice. 

 

 

Message 3 of 6
Anonymous
Not applicable

Re: Score drop but no change on credit report?

If you figure it out, let me know.

 

Message 4 of 6
NRB525
Super Contributor

Re: Score drop but no change on credit report?


@Anonymous wrote:

If you figure it out, let me know.

 


LOL - what the heck are you doing? That is... unbelievable! Smiley Very Happy

 

That looks like an EKG of a heart attack!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 6
Anonymous
Not applicable

Re: Score drop but no change on credit report?

And it keeps on truckin'. If I buy another report, (all those green dots are me buying another report after these stupid drops), it'll go back up again.

 

Message 6 of 6
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