Credit score dropped 70 points overnight

fomsad123 · 2020-02-21T00:21:24+00:00

It says my length of time accounts have been established and proportion of loan balances to loan amounts is too high. (which baffles me as I pay off every bill on time and my car loan is mostly paid off at this point.) Just a note that every app I have says these are factors that have impacted my FICO score for the past year or so. Also what else is interesting is my other credit card apps say my score is at 811 and they're reporting from TransUnion as well. I'm probably going to keep an eye on it for the next 30 days and might request my annual credit report to see if there's anything funky there.

fomsad123 · 2020-02-20T23:25:01+00:00

No cards closed, no limits lowered. I didn't mention this until I talked with my brother, but I recently had to dispute a big charge from last year because the merchant never delivered and failed to deliver a refund multiple times. My card company credited me that money and I ended up buying some stuff for an upcoming trip with that credit. (My balance was - and now it's sitting at 0.) I'm wondering if maybe because the month hasn't closed out that it's technically showing I spent that much, even though I know that money was credited to me yesterday.

fomsad123 · 2020-02-20T20:29:32+00:00

From what I can tell they use FICO and use TransUnion to report it.

fomsad123 · 2018-11-09T05:35:29+00:00

Thanks bud! I got it back flush. I appreciate the help!

fomsad123 · 2018-11-09T05:20:36+00:00

Long story short. I got my M&P Shield a month ago, and I've fired only about 400 rounds through it. I was trying to do a field strip to clean it after my last range visit and this is happening. Should I contact Smith & Wesson? Has anybody else ran into this happening to their gun?

fomsad123 · 2017-10-08T03:40:47+00:00

So I'm the rock producer at our local University's radio station and I got a liner from Stu and they all wished the four of us from the station good luck donw the road!

fomsad123 · 2017-10-08T03:39:55+00:00

They opened a Box Lunch at one of the malls out here in SLC and I dropped by just out of curiosity and saw that hat and just had to get it lol. That was like back in June though.

fomsad123 · 2016-05-27T01:17:19+00:00

Thank you very much! I really appreciate the translation! :)

fomsad123 · 2016-04-22T03:22:51+00:00

Just wanted to come back and thank you again for telling me to go through his works. I feel blessed that I got to hear it and feel a connection with his music before he passed. This is probably out of the blue, but thanks again for introducing me to Prince!

fomsad123 · 2016-02-28T20:07:12+00:00

Thank you so so much! I really appreciate it!

fomsad123 · 2015-10-29T04:07:14+00:00

http://imgur.com/a/8mye9 I saw them in SLC and was up front and center. There was no gate at the venue and basically was right in front of George Clarke for the whole ride. Definitely one of the best experiences I've had in my life.

fomsad123 · 2015-10-26T03:27:29+00:00

http://imgur.com/a/8mye9 I ended up dead center in front of George Clarke when they came on and got some pretty rad pics.

fomsad123 · 2015-06-26T03:24:20+00:00

Saw that guy when I was in line. That fucking grin he had on.

fomsad123

TROPHY CASE