Scores went down?????

[Speedy]

I have been paying my bills on time with no credit card useage in a year.  I pulled my scores on yesterday and could not believe what I saw.  Listed are my Mar 07 scores and my recent scores    Equifax: 720  Now:  697, Experian:  713  Now:  652,  TransUnion:  725   Now:  709.  I am confused. It seems as though my scores were higher when my balances were higher.     

[Tuscani]

Welcome... Are you sure nothing else changed?

[Anonymous]

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@Speedy wrote:

I have been paying my bills on time with no credit card useage in a year. I pulled my scores on yesterday and could not believe what I saw. Listed are my Mar 07 scores and my recent scores Equifax: 720 Now: 697, Experian: 713 Now: 652, TransUnion: 725 Now: 709. I am confused. It seems as though my scores were higher when my balances were higher.

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No credit card usage in 1 year? Charging even a $1 each month and paying it will generate payment activity. Currently you have no activity to report. Use the cards every once and a while and you should see a up change in your FICO scores.

I can see 20 points but not 61 points on Experian? I would focus on finding changes on Experian first. Something does not add up. What was your debt back then and now? All accounts. Do you show a new inquiry or something?

Message Edited by ilovepizza on 06-08-2007 04:40 PM

[Speedy]

Thank you.  The only thing I could think of back in Mar 07 I had a lender (mortgage pull my scores and last week I had a lender (mortgage) pull my scores.  I even called th support fico and they went over my scores and could not find anything that could cause the big drop.