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Question By
irae133

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Can someone please explain how much score dropped 73 points with no warning?
I have no idea how this happened. Surely it cant be because of the balance that was put back on to my capital one card (a screw up by them). Even if it was because of that there is no way it should of effected my score because it has to be more than 30 days past due for capital one to submit a delinquency. Someone please help me out here.

Thank you

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Yes, it could be. If the balance that was put back on your account resulted in a significant increase in your utilization then it very well could. You may have received a real boost in your credit score when they made the mistake of removing the balance thereby lowering your utilization. This is just putting it back where it belongs.

Of course, no one here can see your report and give an answer with any real authority. You didn't give us much to work on...

Top Contributor
109 Contributions
71 People Helped

Unused overhead.

How did it effect the percentage of your credit limits that you’re using?

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