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Question By
lefthooklacey

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Is CK using a new scoring model? Score dropped 50 points suddently with no changes to my profile.
Just wondering if CK has started using a new algorithm or something? I have been building my score for the past year and a half. I started off with the lowest score possible because of no credit history and collections on medical bills. My score has been steadily climbing. I have opened a secured card, graduated to a non-secured card, opened a 2nd non-secured card, and taken out a small personal loan all to build credit history. I have 100% on-time payment on all accounts and have been paying on all of them for a year now. Credit utilization, number of accounts open, credit pulls, are all the same. None of that information has changed in months. CK update says nothing has changed since my last update. So what would make my score drop on Equifax and Transunion by 50 points each?

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Top Contributor
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If you read this forum this has been happening to a lot of people. I would not worry about it. If you are really worried about what your credit scores are, purchase your FICO scores somewhere.

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