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GDAK

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What has changed with the new reporting to the3 agencies as that would cause my credit score to drop

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Top Contributor
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I don't know of any changes in reporting

But you do understand that your credit scores fluctuate all the time.  Your score can change on a daily basis, You can have different scores from different Credit Reporting agecnies on the same day,  so I'm not sure what reporting issues would have to be in place in order to cause YOUR score in particular to drop.  

Good luck 

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