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Why does my score drop when accounts improve!!

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Anonymous
Not applicable

Re: Why does my score drop when accounts improve!!

ok, thats good to know! It stresses me out to see that an account ive been working on for months is finally removed, or updated, then i see that little red arrow Smiley Sad 

This has been a year in the re-building process, so I guess it will just take more time Smiley Happy No more new accounts, and pay down my utilization. 

Theres not much i can do about the late payments. Although, i was added to my BF's Best Buy account a couple of months ago to add to my AOA (8 year old account), but he had a late payment on his account that actually hurt my score more than it helped it, so i might try to drop off that account.

 

Thank you so much for your input! 

 

Message 11 of 15
Anonymous
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Re: Why does my score drop when accounts improve!!

Yeah, you definitely don't want to be an AU to an account that is dirty.

Message 12 of 15
Kree
Established Contributor

Re: Why does my score drop when accounts improve!!


@Anonymous wrote:

Thank you so much! I've been trying my best. Im glad I was able to set my daughter up with a good head start. I taught her all about credit as well, so shes alot smarter than i was at that age Smiley Happy

Now that im on my PC, i can see a photo button so you can see what im talking aboutIt just seems to decrease and decrease. This even included removing a charge off... yet, no love.It just seems to decrease and decrease. This even included removing a charge off... yet, no love.


This is a beautiful example of alerts not being directly connected to the score change. See how many different alerts are attached to the same 3 point change?  Chances are there was one thing that dropped your score by 10-20 points, and a conbination of things that raised it 7-17 points.   Maybe the new auto loan account didn't ping on Transunion until the 24th?

 

Message 13 of 15
Anonymous
Not applicable

Re: Why does my score drop when accounts improve!!

This is what stresses me out lol if they aren't connected, I wish they would move score changes to a separate alert on its own or something. I'm also wondering where my increase alerts are. If I change that many things flex the better, why aren't there increases...its so confusing
Message 14 of 15
Anonymous
Not applicable

Re: Why does my score drop when accounts improve!!

There are many score-impacting events that are not alertable, both ones that can lower your score and raise your score.

 

 

Message 15 of 15
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