Credit Advice

I've had no hard pulls, requests for credit, no closed accounts, etc. 

Annualcreditreport.com and pull your three free credit reports and get your scores to see what's going on.

   One possible answer -  The nightmare of NPSL accounts.   Check on your current credit cards.  See if anyone of them being "upgraded" to the Visa signature card or WORLD master card.  These are No Pre-set Spending Limit accounts.  This change will make your existing credit limit suddenly disappear in your credit report.  I had that experience.  Both Chase and Citibank are doing this to a lot of customers.  These banks simply saying that your credit limit is now called "access line".  Even though you still see the amount on your statement, the bank will no longer report that to the credit bureaus.  Consequence is --- your credit utilization ratio or debt ratio will be thrown off.  When a few of your credit cards become NPSL, the credit line will simply disappear from your credit report.   If your credit limit was $100,000 and $60,000 of your credit limit suddenly become "access line" (which only known by the bank and not the credit bureaus) ,  your total available credit limit in the credit report will be only $40,000 !!!!  That will make a NEGATIVE impact on your credit score!!! If that's the case, just call up the bank and ask to speak with an account manager( Chase now call them Senior Service Specialist), they will allow you to go back to the original type of non-NPSL cards that you used to have.   Your will be issued new cards that will no longer carry the word "World" on Mastercard, and no longer see the word "Signature" on the reissued Visa card.  I just found out this NPSL issues and corrected all the problems now. 

 One possible answer -  The nightmare of NPSL accounts.   Check on your current credit cards.  See if anyone of them being "upgraded" to the Visa signature card or WORLD master card.  These are No Pre-set Spending Limit accounts.  This change will make your existing credit limit suddenly disappear in your credit report.  I had that experience.  Both Chase and Citibank are doing this to a lot of customers.  These banks simply saying that your credit limit is now called "access line".  Even though you still see the amount on your statement, the bank will no longer report that to the credit bureaus.  Consequence is --- your credit utilization ratio or debt ratio will be thrown off.  When a few of your credit cards become NPSL, the credit line will simply disappear from your credit report.   If your credit limit was $100,000 and $60,000 of your credit limit suddenly become "access line" (which only known by the bank and not the credit bureaus) ,  your total available credit limit in the credit report will be only $40,000 !!!!  That will make a NEGATIVE impact on your credit score!!! If that's the case, just call up the bank and ask to speak with an account manager( Chase now call them Senior Service Specialist), they will allow you to go back to the original type of non-NPSL cards that you used to have.   Your will be issued new cards that will no longer carry the word "World" on Mastercard, and no longer see the word "Signature" on the reissued Visa card.  I just found out this NPSL issues and corrected all the problems now. 

I also have the same situation this month. I drop from 732 to 693. I am not sure whether it is because of jointing my wife to one of my creditcard. I do have chase cards. I have heard nothing about NPSL...I should talk to them to figure this out.