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I have asked about the reason my FICO score dropped.
I saw one response about trying Credit Sesame (.com) which I did. There, they laid out in easy to understand reasons , category by category, which ratings I received in all categories. I received 3 A's a C and a D and it was helpful to see what they were talking about, rather than simply getting the one or two sentences which could be confusing. While I am still going to use CK, the Credit sesame site I find well thought out , easy to use, and of course free and safe, just like here. I would check that site out, having used CK for over a year now. I now have no doubts as to why my FICO score dropped. I of course do not agree with their logic. I only have ONE KIND of loan out (Credit cards) BECAUSE I paid OFF my MORTGAGE, and I PAID OFFF my School LOAN and I BOUGHT MY CAR WITH CASH. It seems rediculous to me that I should go get another home loan or go into debt with buying mty car when I don't have to just to satisfy these bean counters, especially now that I have had 35 years of credit history. But I guess once your Home loan and School loans FALL OFF, then you are in REAL TROUBLE!!!.(At least in their eyes). This seems as idiotic to me as the CC company president who got rid of all his cutomers who always paid on time, since he couldn't make a penny off them. HE needed people who constantly paid him interest, so he eliminated the "bad" customers who always paid their debts in FULL every month.

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