TU - 659 to 570 when EQ and EXP going up.. What gives?

[Anonymous]

I just checked my scores and Transunion dropped me 89 points and I have no idea why? I know I had some utilization go up about 20% last month and 1 inquiry - traded vehicle, but 89 points!!! How common is this and is there anything I can do? Both my EQ and EXP rose 12-15 points in the same period.

[haulingthescoreup]

Get your previous TU report and the current one, print them both out, and go through them line by line with a highlighter. Do you have any collections, etc? It sounds like someone might have changed an old date on a baddie to a newer one. Also make sure that an old account hasn't vanished, that a bad account isn't suddenly reporting twice, all sorts of weird things.

If the older and newer TU reports are the same, compare the TU report to the EX and EQ. I would guess that either something has popped up on the TU and hasn't hit the other two, or something fell of the other two and is still on TU.

Be sure to check the collections and public records tabs, not just accounts.

Message Edited by haulingthescoreup on 02-13-2009 02:23 PM