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Question By
Ayae

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A hard inquiry was removed, my balances have lowered but my score has dropped....
I have made all my payments on time, no new accounts have been created, I haven't used my credit cards at all (the balance has been 0 for months). My student loan balances have gradually decreased and continue to do so. They have not been paid off so they are only getting older. One hard inquiry has just been removed yet my score has just dropped 53 points. There have literally been no changes that would make this happen. I'm really starting to doubt Credit Karmas numbers. What is going on...

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Have stated this before and Will do it again,

THESE NUMBERS HERE ARE NOT,  I REPEAT THEY ARE NOT  CREDITKARMA's NUMBERS. 

The Numbers ( Credit Scores ) and Credit Reports are SUPPLIED By TRANSUNION and EQUIFAX.

CreditKarma ONLY DISPLAYS the information they Receive from them to You. 

Now that I got that off my chest. 

How many different accounts do you have?

How many

Credit Card Accts
Car Loan Accts

Student Loans?

etc ..... Detail. 

If you have one credit card and one student loan acct your Credit Score can Swing more Up and Down. 

If you have 10 Credit Cardss and one auto loan ,  one Home Loan  your Credit Score will not Swing up and down as much

If you have 18 Credit Cards and one Auto Loan, one Home Loan then your Credit Score will swing even less then above. 

Top Contributor
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41 People Helped

My credit score dropped 22 points after i paid my utilization down to 2% with the vantage score, fico score went up 12 points. If you have credit cards at banks check their credit scores Bank of America uses Transunion, Wells Fargo uses Equifax, Chase uses Experian and use the fico score. Capital one uses transunion but the vantage score model. This is a good site to watch your report, good luck with your credit.

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