Myfico question plus odd credit behavior

[drewricomakeubu]

Hey guys, 

I track all my reports through Myfico and the other day I got the last baddie removed off TU through EE and had my score jump 128 points to 818. 

First question, Myfico still shows I have one account that has a late payment, which isn't true. The rest of my TU is absolutely perfect. 

Second question, a few days after my score jump, I lost 28 points down to 792 because the balance on all my credit went down 89 dollars. I'm not really sure why 89 dollars would have such a large impact. Any ideas? 

[FireMedic1]

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@drewricomakeubu wrote:

Hey guys, 

I track all my reports through Myfico and the other day I got the last baddie removed off TU through EE and had my score jump 128 points to 818. 

First question, Myfico still shows I have one account that has a late payment, which isn't true. The rest of my TU is absolutely perfect. 

Second question, a few days after my score jump, I lost 28 points down to 792 because the balance on all my credit went down 89 dollars. I'm not really sure why 89 dollars would have such a large impact. Any ideas? 

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Only been a couple days. takes times to work itself out. Nothing is instant with MyFICO or any other CMS. Let it work itself out.

[drewricomakeubu]

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@FireMedic1 wrote:

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@drewricomakeubu wrote:

Hey guys, 

I track all my reports through Myfico and the other day I got the last baddie removed off TU through EE and had my score jump 128 points to 818. 

First question, Myfico still shows I have one account that has a late payment, which isn't true. The rest of my TU is absolutely perfect. 

Second question, a few days after my score jump, I lost 28 points down to 792 because the balance on all my credit went down 89 dollars. I'm not really sure why 89 dollars would have such a large impact. Any ideas? 

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Only been a couple days. takes times to work itself out. Nothing is instant with MyFICO or any other CMS. Let it work itself out.

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Thing is Myfico has updated to show the negative has been deleted but it's still showing a late payment. Not really sure why. 

Also is $89 dollars really that much a killer to decrease fico by 28 points? Or was the 818 score a fluke? I'm currently sitting at 792 on TU which is fantastic compared to I was sitting at 690 a week ago and 620 2 months ago. 

[FICOFIND]

Similar problem: With about 1 percent or less credit utilization and no late marks I see my FICO going up and down 20 points.  Over the last newyears I saw insane changes when the banks were being evaluated for their credit worthiness and reviews of their accounts.  My short credit history is a hinderance but that would not explain the dips in my credit scores.  I do see that Experian drops records of payments that have been going on for over 10 years.  Occasionaly something from over 20 years ago tries to show up probably from Lexis Nexis.  Seems strange that these changes manefest even after I have my credit reports locked.  The other thing I noticed is many credit reporting agencies other than MYFICO, Experian, Equifax, and Transunion that seem to have improper or bad data.  Medical bills are another issue and even after paying small bills over three times on the day of service and twice again at some recovery site they continue to show up as unpaid.  One walkin clinic changed its name three times... No way to get original billing information on that paid bill that keep renegotiating between each new Medical Clinic at that location. So it seems many things can force a score to jump around 20 or 30 points.  It will never make sense... 

[FireMedic1]

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@FICOFIND wrote:

Similar problem: With about 1 percent or less credit utilization and no late marks I see my FICO going up and down 20 points.  Over the last newyears I saw insane changes when the banks were being evaluated for their credit worthiness and reviews of their accounts.  My short credit history is a hinderance but that would not explain the dips in my credit scores.  I do see that Experian drops records of payments that have been going on for over 10 years.  Occasionaly something from over 20 years ago tries to show up probably from Lexis Nexis.  Seems strange that these changes manefest even after I have my credit reports locked.  The other thing I noticed is many credit reporting agencies other than MYFICO, Experian, Equifax, and Transunion that seem to have improper or bad data.  Medical bills are another issue and even after paying small bills over three times on the day of service and twice again at some recovery site they continue to show up as unpaid.  One walkin clinic changed its name three times... No way to get original billing information on that paid bill that keep renegotiating between each new Medical Clinic at that location. So it seems many things can force a score to jump around 20 or 30 points.  It will never make sense... 

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If its less than 1%. Then you get the all zero penalty for no balances reporting which is about 20 pts. Have 1 account always report at least say 3% then PIF before the due date. Your scores changes constanly. When it pulled or posted . Thats what it shows then as a snapshot. The quirks you'll have to take up with the furnishers who reort to the CRA's. Nothings perfect.

No changes in one day. I got this. Figure this one out.

Nothings perfect.