I'm not deliquent on anything. I have the same bills as before. I'm not sure what could have caused it to fall 15 points.
2007-02-28 16:41:50 · 11 answers · asked by Jay S 5 in Business & Finance ➔ Credit
Check your credit report. I recently found that my "current" address was listed in New York. I have never even been to NY. Usually I am bombarded with credit card offers and all of sudden they ceased. I did the Mr. Spock and checked my credit report...
I immediately reported the fraud and can only hope someone hasnt open accounts or receive property in my name.
2007-03-01 03:38:46 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Thats the dumbest shyt I ever heard. How can it drop some points if you check it? I have a credit card that does monthly credit monitoring. And I monitor my credit, ALL THE TIME. There are no inquiries coming from myself lol. I also ordered hard copies and NO, there are no personal inquiries on that affecting the score. If you authorized another company to do so, then that affects your credit. More than likely it could be some kind of outside inquiry. Examine your FULL report and find out whats going on so you can prevent further issues.
2007-02-28 17:35:01 · answer #2 · answered by Anonymous · 2⤊ 0⤋
It may be that some companies are only now reporting to the credit agency in question. Some do it periodically. In addition, new companies join all the time. Bottom line - this could be as a result of something 3 or 4 months ago which is only filtering through.
Visit http://www.cheap-credit-cards.org for more information
2007-03-02 03:52:52 · answer #3 · answered by Anonymous · 0⤊ 0⤋
checking your own credit score would NOT pull your score down 15pts.. not even close. So ignore those who are saying it does.
Sounds to me like you may have opened new accounts, or perhaps your debt-utilization ratio has gotten to high. But still 15pt seems like a lot for that type of a drop without anything major happening.
2007-03-01 01:39:50 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Most likely, you checked your credit...Maybe you applied for a credit card, you moved, you got a new job, etc...You know it went down in a month, so you obviously keep an eye on it. Every time you check your credit, it affects your score. Not much, but it does. That's why some people are very specific about when and why they look up their credit report. Do it too many times, and it could make a decent size impact on you.
2007-02-28 16:51:33 · answer #5 · answered by s 3 · 0⤊ 2⤋
Sorry. You made the debt. because you replaced your thoughts, were given pregnant, were given ill, lost your job, or some thing else does no longer relieve you from the job. in the journey that they have got became your bill over to bill creditors, your credit is likely already shot. there is not any magic form absolutely everyone can say your credit status will shrink in case you do not pay. there are one of those huge quantity of variables that pass into your credit status. Your acceptable wager is to attempt to exercising consultation some type of price agenda you could meet and follow it to fix the wear and tear and tear already performed for your credit. it really is in effortless words $three hundred. (it really is what you advised your self once you signed for the debt.) Are you waiting to smash your credit for below $three hundred? bill creditors are tricky. they could receive a judgment adverse to you and garnish your wages, your monetary agency account, receive a lien adverse to at least some thing you own. Your acceptable wager is to pay the bill and evaluate it a truly affordable lesson. not at all signal for some thing you do not intend to pay, or can not pay.
2016-12-05 02:18:37 · answer #6 · answered by ? 3 · 0⤊ 0⤋
Whomever is saying that your score will go down when you pull your own report is giving you false information.
The major reason as to why this could happen are.
High/debt to income ratio (Carrying a high amount of Debt)
Too many inquiries (Not personal Inquiries)
Late Payments
Judgements
2007-02-28 17:30:23 · answer #7 · answered by Justin S 2 · 1⤊ 0⤋
Have you recently applied for credit.. a new car... a new charge account... Changed auto insurance??? Every time your credit history is accessed it lower's the score...
2007-02-28 16:51:18 · answer #8 · answered by gin_in_mi 4 · 0⤊ 0⤋
Have you closed any accounts? Have you applied or opened new accounts? Have your balances increased? A combination of those items may have caused your score to drop.
2007-02-28 19:01:38 · answer #9 · answered by Mariposa 7 · 0⤊ 0⤋
DId you see anything new on your reports?
Are you card balances above 30% ?
http://www.ficoboost.com
can raise your score in 24 hrs guaranteed
2007-02-28 16:47:04 · answer #10 · answered by bordercenturion 2 · 2⤊ 1⤋