Scorewatch confusion

[BootStraps]

Okay, I need to make some sense of this...

Earlier in the month I apped and opened a few accounts so I expected a bit of a score drop but something strange happened.

This showed up on my Scorewatch (EQ):

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Your FICO® score decreased to 700 on April 19, 2014.

This score decrease may be caused by these 2 new reasons:

• You have a serious delinquency (60 days past due or greater) or a derogatory description on your credit report.
• You have multiple accounts showing missed payments or derogatory descriptions.

I have not had a late payment in 4 years. I combed my CR to make sure that there were no unaccounted for loans opened without my knowledge, but the only lates that are showing are the 4 year old late mortgage payments. Admittedly they were 90+ day lates, but theuy are not new.

An experian Fico pulled 4/20 showed that my EX went UP 10 points due to the increased available credit (even with the inquiry hits) and TU only dropped 3 points.

How is it that four year old lates are NOW causing a 20 pt score drop?

If it is NOT causing the drop, why would Scorewatch claim that it is?

[AzaleaB]

If you pulled your EQ report on myfico and there is nothing new related to lates, etc., just ignore the SW reasons. You are probably right about your score drop. I find that SW sometimes (maybe more often than not) gives me reasons for score changes that make no sense so I ignore them.

[BootStraps]

Gotcha. Thanks.