Silverbeast

What's the bottom line here? One score is from April 13 and one is from April 4. I'd be more interested if both scores were from the same date. Still, is your point that SW is just freakin whacked out? That we should not trust SW? Given the score of 735 today, I think something's going on with SW. Yes, sorry I wasnt more clear last night. I meant to say I think something with SW might going on. For some reason I got the alert yesterday, but when I pulled the "alert" reasons, it was dated the 4th. Much to my oversight, yes I think something is really out of wack with SW. I'll trust my EQ direct score.

At least I'm not going insane. It's not like I need any credit at the moment, but there is a feeling when you get a notice like that saying.. OMG...WTF just happened to me.

Reading down the SW list of reasons your score can "go down"... not dive bomb... Your FICO® score went down on a day when there were no credit alerts on your Equifax Credit Report™. This can happen if: There was a change on your credit report that lowered your score but did not trigger an alert. For example, the balance on an account might have increased enough to lower your score, but not enough to trigger a balance increase alert. You moved from one category of credit users to another as time passed. For example, you may have transitioned from the category "consumers with a new credit history" to the category "consumers with a two- to five-year credit history". As a result, your credit report is evaluated differently, causing a slight change in your score. The good news is that moving between categories like this usually offers you the potential to reach a higher FICO® score in the future. #1 didnt happen and average age on accounts is 3 years 6 months....

Yes I can see the full report and it looks the same as my TC pull... no difference and I'm not shelling out the money to MYFICO to see what they say.

From the backdoor... Score Power® Summary as of 04/13/2008 735 Is Your FICO® score as of April 13, 2008 WTF are these people thinking? From SW: Your FICO® score decreased to 650 on April 4, 2008. Interest rate alert: Your new score of 650 may qualify you for a new interest rate of . Rate as of April 11, 2008 for a hloan . See interest rates for all FICO® scores. This score decrease may be caused by this new reason: You have not established a long revolving credit history.

Nothing new on the report but lower UTIL and 0 balances on 2 accounts. 1 new INQ, but i seriously doubt that equates to 85 points. That was my only alert with SW. I might pull directly from EQ and see...

Nada.. reports are clean as they have been for over 2 years.. never filed any kind of BK, etc.

Your FICO® score has decreased by 85. Please log into Score Watch anytime to find out more. Thank you, the myFICO® team Has anyone else gotten a weird message like this in the last few days? I hadn't had a single alert for about a month and a half and got this. I actually had balances go down and 2 accounts 0 balanced. The util is about 25% and the only new accounts was the mortage in October of 2007. I really dont get it... TU and EX have both gone up. I have 0 AU accounts, nothing negative on the report.... Does anyone have any advice on this one? 2 scores in the 715+ range and this hits like a ton of bricks. I wouldnt care so much if TX wasnt a major EQ puller.

Sorry I have lurked so long... can i please be moved into Member Status? thanks!

I am the DH BTW.... I really care about the rate offered even if it is a preapprovement. I want to know if we are in the ballpark for what I would qualify for and if I'm going to be happy with my lender. We are looking at closing fairly quickly and the rate lock in if we choose this lender is approaching rapidly. Should we take the plunge and shop the rate and costs? Thanks for your help and input.

DW has a Premier Pass and AAdvantage card from Citibank for a combined $15,2k. I did some searching, but couldn't find an answer to the question that just popped in my head... They don't report a CL, and tell you that if you need to you can make a purchase for more than your spending limit but you have to pay the overage in full plus your regular payment by the next due date... So what happens if you go over your limit but you can't pay it? Do they charge a fee or freeze your account or what? I can't find any information on this. Thanks!