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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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WTH - credit score question
So I use creditkarma.com to check my credit score (it is a 100% free site)
anyway, I am using made up scores for illustrations purposes
my credit score on 3.1.10 was 710. I then paid off alot of my credit cards, with part of my bonus and on 4.1.10, I check the score again and it was 729
I just checked it today and it says my score is 667 - how the hell could this have happened...I have not used my credit cards at all since the 729 score, I did not open any new cards, etc
any ideas?
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Posted 4/14/10 1:01 PM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
Salason
♥
Member since 6/05 9878 total posts
Name:
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Re: WTH - credit score question
that sounds too weird... i would order a full credit report to see if there's anything strange on there!
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| Posted 4/14/10 1:03 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: WTH - credit score question
Posted by Salason
that sounds too weird... i would order a full credit report to see if there's anything strange on there!
good idea, any sites you can recommend?
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| Posted 4/14/10 1:08 PM |
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Pray4Baby2010
<3 Cutest Giants Fan
Member since 10/09 5796 total posts
Name:
MB
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Re: WTH - credit score question
seems like a big change in less than a month- did any of your cards get cancelled or credit limits decreased- that might affect it?
also- do they draw the info from all 3 credit bureaus or just one? if they are averaging all 3 it might change?
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| Posted 4/14/10 1:12 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: WTH - credit score question
Posted by Pray4Baby2010
seems like a big change in less than a month- did any of your cards get cancelled or credit limits decreased- that might affect it?
Nope, nothing like this that I can recall....I plan to check my full credit, thanks 
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| Posted 4/14/10 1:13 PM |
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PumpkinGirl
:o)
Member since 10/08 1838 total posts
Name:
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Re: WTH - credit score question
Posted by pinkandblue
Posted by Salason
that sounds too weird... i would order a full credit report to see if there's anything strange on there!
good idea, any sites you can recommend?
https://www.annualcreditreport.com/cra/index.jsp
this is the official site to check your report at all 3 bureaus. You are entitled to a free report every year at this site.
Message edited 4/14/2010 1:19:02 PM.
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| Posted 4/14/10 1:18 PM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: WTH - credit score question
definitely get your report. inquiries and requests from creditors will knock you a few points temporarily, but thats a big drop.
if you use freecreditreport.com beware b/c we got charged 14.95 amonth for something for a few months before i realized.
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| Posted 4/14/10 1:23 PM |
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Salason
♥
Member since 6/05 9878 total posts
Name:
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Re: WTH - credit score question
Posted by PumpkinGirl
Posted by pinkandblue
Posted by Salason
that sounds too weird... i would order a full credit report to see if there's anything strange on there!
good idea, any sites you can recommend?
https://www.annualcreditreport.com/cra/index.jsp
this is the official site to check your report at all 3 bureaus. You are entitled to a free report every year at this site.
You beat me to it  I'd order one from here.
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| Posted 4/14/10 1:58 PM |
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Re: WTH - credit score question
Out of curiosity, I ran my score and I was surprised that it was not higher. I have paid everything on time for the last several years and pay off my cc's in full every month. There was a time when I was struggling with money but that was several years ago (like 10) and my score is only slightly higher now than it was then (and it wasn't horrible then, just not great.)
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| Posted 4/14/10 2:05 PM |
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Re: WTH - credit score question
Dbl post sorry.
Message edited 4/14/2010 2:05:56 PM.
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| Posted 4/14/10 2:05 PM |
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HappyWife
LIF Toddler
Member since 12/06 484 total posts
Name:
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Re: WTH - credit score question
Anyone (or company) can issue a credit score based on their own algorithm. But just about all the banks/major lenders use one of the Fair Isaac credit scores--those issued by one of the 3 major credit scoring agencies. Because each company uses a proprietary algorithim, your score can vary even though the information is the same.
I would check your score with the 3 credit agencies and go from there. The annual credit report website is great for a free credit report but you will have to pay to see your actual score.
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| Posted 4/15/10 11:35 AM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: WTH - credit score question
Posted by pinkandblue
So I use creditkarma.com to check my credit score (it is a 100% free site)
anyway, I am using made up scores for illustrations purposes
my credit score on 3.1.10 was 710. I then paid off alot of my credit cards, with part of my bonus and on 4.1.10, I check the score again and it was 729
I just checked it today and it says my score is 667 - how the hell could this have happened...I have not used my credit cards at all since the 729 score, I did not open any new cards, etc
any ideas?
Your actual FICO score can only be checked using www.myfico.com if I recall correctly. I would check there first and then see. The other sites give out estimated FICOs..not actual.
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| Posted 4/15/10 1:30 PM |
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EckoRed81504
We are complete <3
Member since 12/07 6299 total posts
Name:
April
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Re: WTH - credit score question
I just pulled my credit report but I can't find the actual #.
Am I an idiot??????
And dummy me forgot to print my last one. 
nevermind i found it.
Message edited 4/15/2010 2:04:53 PM.
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| Posted 4/15/10 1:54 PM |
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photoshopbabe
wow....
Member since 5/07 2197 total posts
Name:
linda
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Re: WTH - credit score question
I just did it-I hope that site is legit! lol
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| Posted 4/15/10 2:47 PM |
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jellybean78
:)
Member since 8/06 13103 total posts
Name:
Mommy
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Re: WTH - credit score question
Posted by EckoRed81504
I just pulled my credit report but I can't find the actual #.
Am I an idiot??????
And dummy me forgot to print my last one.
nevermind i found it.
FYI: The score on your credit report is not your actual FICO score unless it specifically says so. It's an estimate of your FICO score. In order to get your true FICO score you have to pull it from www.myfico.com
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| Posted 4/15/10 3:41 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: WTH - credit score question
Posted by jacquig
Posted by EckoRed81504
I just pulled my credit report but I can't find the actual #.
Am I an idiot??????
And dummy me forgot to print my last one.
nevermind i found it.
FYI: The score on your credit report is not your actual FICO score unless it specifically says so. It's an estimate of your FICO score. In order to get your true FICO score you have to pull it from www.myfico.com
Just about to say that
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| Posted 4/15/10 5:24 PM |
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