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This is odd....score drop....

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fishbjc
Senior Contributor

This is odd....score drop....

Decreased debt by 3%, 30-60-90 day late removed, added one inquiry, and an 18 decrease.

Still happy to see those lates gone.

Decreasing debt by additional 20% within the next three months, so looking good.

 

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Anonymous
Not applicable

Re: This is odd....score drop....

Do you have other late payments, or other negative items still present after the 30-60-90 removal?  If so, the chances of seeing a score gain from the removal of them is very small and if you did receive any scoring benefit at all it would be a couple of points.  I agree that it's great to see lates gone, so regardless of score you're doing the right thing.

 

Decreasing debt by 3% unless it crossed a threshold likely wouldn't result in a score gain.  The inquiry very well could have caused a score drop, although 18 points would be a bit much for a single inquiry.

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AppHappyTog
Regular Contributor

Re: This is odd....score drop....

If those were your only derogs you might’ve been rebucketed? When all my baddies came off EQ recently my score tanked from 675 to 640’s while the others with the derogs still attached have stayed higher. Frustrating stuff when you’re just looking at the score. 



Current Scores 4/18: EQ8 645/EQ9 686/TU 664/EX 682
Starting Scores 10/17: EQ 590 /TU 592/EX 560
AAoA: 3y6mo
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