TU down 25 points - Any Ideas?

[marty56]

My TU score from 775 to 750 with the negative comment of 4 accounts show a balance.  I have a mortgage, Autoloan and 2 CCs show a balance.  Back in September, I had the same # of accounts reproting a balance and yet my TU score was 775.  I also lost the coment of recent use of a credit card.

 No new accounts, INQs and my history seems the same.

My util is still 1% and both CC's util is 1% (FICO rounds up).  Actaully both CC's are zero balance but havent reported yet.

Also my TU score has been very stable for the past 8 months.

Is it possible that TU tweeked their version of the FICO score algoritm.

Any thougths on this?

Is it possible that MyFICO switched to Classic 04 for TU?

Message Edited by marty56 on 01-29-2009 03:55 AM

[Anonymous]

I thought losing the comment of recent use of a cc usually gets you a few points back from the initial ding of using the cc after a break, not a decrease.

You mention that the cc's are both at $0 but haven't reported yet as $0, you may want to take a look at post by mod haulingthescoreup, who had CC's reported $0, score was decreased for not carrying a balance on at least one card. So, you may get another decrease when yours report as $0.

fico scoring is not user-friendly! Just when we think we have it figured out, another mind boggling situation arises.