Why is my FICO Score Falling

Anonymous · ‎05-09-2007

It seems that my FICO score with TransUnion has fallen from last year? It is still relatively high, I really don't get it. My overall debt is lower, no new accts, no inquiries, no late payments.. The only area of improvement is the age of my accts could be higher (6years avg and 12 years is oldest acct)....but my score was higher last year with my acct age beng one year younger.

So what gives. Is this happening to anyone else? I'm not sure I see a point in continuing to check my FICO score as the score makes little sense to me.

I'd appreciate any feedback you'd might have.

Tuscani · ‎05-10-2007

You are checking your score from myfico.com right?

Anonymous · ‎05-10-2007

Yes I am using MyFICO..this is the only place I have gotten my credit scores from.

Tuscani · ‎05-10-2007

TU has been having issues lately. Have you checked your EQ and EX?

Anonymous · ‎05-10-2007

No not yet. I try to spread them out over the year (like every 4 months do one) to save money.

Tuscani · ‎05-10-2007

I would pull the other two ASAP to compare.

Anonymous · ‎05-10-2007

Won't that cost me like $30. Any idea's? I think TransUnion sucks.

Tuscani · ‎05-10-2007

Yep.

Anonymous · ‎05-10-2007

Tuscani thanks for your feedback. I appreciate your help!!

Why would you pull the other two? Just to see the score? Is there any other reason to pull them? What's frustrating is that the info on TransUnion appears accurate...which if following logic would say that my scores should be higher.

Anonymous · ‎05-10-2007

One other idea you may want to consider is getting a wamu card for sake of free tu [ex in very few places] (bank card enhanced formula) fico scores.