On 3/11 my TU score was 703. Since then a few changes have happened on my report. I will try to give as many data points as possible.
Around mid February I traded in my car. My inquiries went from 8 to 18 after the dealers shopped my credit everywhere. Against my wishes but anyway…
As stated before on 3/11 the score was 703.
3/17 my Stash card was added to the file with an 8k limit. Score dropped to 686.
3/19 Cap 1 cli from $ 500-$ 1500
3/20 notification of total balance of all bankcard accounts being $ 92, down from $ 284 last month. Score dropped to 666.
3/25 all retail trade lines $ 1,149 down from $ 1,239. Drop from 666 to 634.
On 3/16 my auto loan showed as paid on the EQ report but no alert as of yet on TU. I’m guessing this is part of the reason for the drop? I had the loan for 3 years. New loan hasn’t posted on any report yet.
All of my accounts are at 10% or less as far as utilization goes. So, I am kind of concerned as to why my score is dropping so rapidly. I haven’t had any negative alerts but it keeps dropping. Thoughts???