Unexplained FICO Score Drop

[Anonymous]

Not all.  I still have balances on four cards.  Do you think it could be that I paid off the smallest balances first, leaving only cards with over 30% utilization on?  Is that really on a card to card basis, and not aggregate?

[FireMedic1]

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@Anonymous wrote:

Not all.  I still have balances on four cards.  Do you think it could be that I paid off the smallest balances first, leaving only cards with over 30% utilization on?  Is that really on a card to card basis, and not aggregate?

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@Anonymous  If you were answering @SouthJamaica . Hit reply and in the top right it has the quote button. Then type under the quoted post. You can direct your responce to anyone by typing the "@" key and a list will drop down of who has posted in the thread. So he'll see this.

[Anonymous]

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@Anonymous  If you were answering @SouthJamaica . Hit reply and in the top right it has the quote button. Then type under the quoted post. You can direct your responce to anyone by typing the "@" key and a list will drop down of who has posted in the thread. So he'll see this.

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Oh, okay.  I see now.  Thanks.

[SouthJamaica]

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@Anonymous wrote:

Not all.  I still have balances on four cards.  Do you think it could be that I paid off the smallest balances first, leaving only cards with over 30% utilization on?  Is that really on a card to card basis, and not aggregate?

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1. You didn't answer my first question, to what score are you referring.

2. Merely paying a revolving balance down would never cause any FICO score to drop, so you are barking up the wrong tree.

[Anonymous]

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@SouthJamaica wrote:

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1. You didn't answer my first question, to what score are you referring.

2. Merely paying a revolving balance down would never cause any FICO score to drop, so you are barking up the wrong tree.

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It's Vantage Score 3.0.  I just pulled my credit rerport.  I have zero negative information.  Available credit has not decreased.  No new inquiries.  No new accounts.  All balances have decreased.  Utilization has decreased.

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[CorySoccer]

@Anonymous I just made a very similar post to yours, but I'm sort of in the same boat as you. My credit scores suddenly decreased without warning and I have no idea why.  Like you, my scores have been around the 750, no negatives, low/zero balances on pretty much everything and my TU dropped 19 and my EQ dropped 59 pts. I pulled my report from annualcreditreport dot com and like I suspected, nothing has changed.  Maybe it's some kind of glitch? Idk...if you find out an answer, let me know!

[Jnbmom]

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@Anonymous wrote:

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@SouthJamaica wrote:

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1. You didn't answer my first question, to what score are you referring.

2. Merely paying a revolving balance down would never cause any FICO score to drop, so you are barking up the wrong tree.

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It's Vantage Score 3.0.  I just pulled my credit rerport.  I have zero negative information.  Available credit has not decreased.  No new inquiries.  No new accounts.  All balances have decreased.  Utilization has decreased.

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Well it's vantage that explains . Their scoring system is not FICO so don't pay much mind to them . Just worry about your FICO scores 

[Anonymous]

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@Jnbmom wrote:

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Well it's vantage that explains . Their scoring system is not FICO so don't pay much mind to them . Just worry about your FICO scores 

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Ooops, sorry to say I really didn't know there was much of a difference.  Honestly, I haven't relaly been too cognizant of my credit scores for a long, long time.  But since I am hoping to refi my house, it just came up recently.  Okay, I'll focus on my FICO.

[SouthJamaica]

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@Anonymous wrote:

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@SouthJamaica wrote:

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1. You didn't answer my first question, to what score are you referring.

2. Merely paying a revolving balance down would never cause any FICO score to drop, so you are barking up the wrong tree.

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It's Vantage Score 3.0.  I just pulled my credit rerport.  I have zero negative information.  Available credit has not decreased.  No new inquiries.  No new accounts.  All balances have decreased.  Utilization has decreased.

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Vantage scores are not FICO scores.

[CorySoccer]

@SouthJamaica What is your obsession with being "that" guy in the comment section? Your comment literally adds ZERO to the conversation.  If the person thought Fico and Vantage 3.0 were the same scoring models they wouldn't have said "Vantage 3.0" when you asked what scores he was referring to.