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Question By
quan1963

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FICO in the 800s for years - Literally nothing has changed but just dropped 50 points
FICO Score 8 (TransUnion?) Credit Karma both scores still in the 800s. But my FICO score from my Credit Cards dropped 50 points. Both use FICO Score 8.

I freaked out thinking maybe identify theft so pulled all three reports - nothing. No new inquiries, don't carry debt, no new accounts, no closed accounts, etc. Should I be making calls on Monday trying to figure this out? Someone put my mind at ease please.

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Are you comparing the scores from same source and exactly same scoring models? I assume you knew credit karma dose not provide FICO scores, was your score dropped from same credit card's previous score?... If you see nothing changed in your credit report? Then I would leaning towards the score difference were from two different sources... Discover/Barclay/WalMart provides TU FICO 8, Citibank provide EQ FICO 8 "Bankcard" score that goes up to 900, AmEx provide EX FICO 8, FNBO provide EX FICO 8 "Bankcard" score goes upto 900, Discover also provide free EX FICO 8 for anyone who sign up.

Reply by
quan1963

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Thanks for the response JohnnyRain -- yeah, I know the scores are different than Creidt Karma. The same FICO 8 score went from 813 to 767 from Discover. Let it go. But then two weeks later the same FICO 8 score from Bank of America droped to 767 too, which I believe is TU FICO 8 too. Scores have always been the same. 

Guess I was expecting the first time was a mitsake - but to see it two weeks later - it freaked me out. I mean literally nothing has changed. That's too big a drop to flucuate without something fairly large changing on my credit report, right? But according to annualcreditreport and credit karma, my CR is exactly the same it was last I checked. 

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Reply by
JohnnyRain127

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If it's from same source? Then I would look at the "reported" balances, did you make large purchase or balance transferred? They could affect your utilizations even tho you might paid in full already. Did any old account(s) roll off your report?

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quan1963

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No and No. Literally nothing has changed over the last few months. Nothing opened, closed, transferred or anything. I assume TransUnion doesn't take phone calls on stuff like this? If everyone called with the paranoia I am exhibiting....... just really bothering me. 

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