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Transunion Score Dropped -55 Points without Clear Cause

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After years of steadily increasing credit scores across all three bureaus, I was hit with a surprise this past week when I went to review my weekly Credit Wise report (which, I believe, is supplied by Transunion). 

Notwithstanding 10+ years of on-time payments, a credit utilization of below 23%, and some rather aggressive payments toward my accounts in recent months, my trend toward the low/mid 700s was abruptly derailed with a 55 point drop.


The only adverse indicators aren’t new, and include 4 inquiries (over 8 months+ old), and a 12 year average account age. Not a single missed or late payment. 

Any idea what gives?


I’ll add that I have federalized student loan debt that is in administrative forbearance under the CARES Act. On my credit report for Transunion, there is no “current” report for the relevant months for those loans (they are blank—no 30/60, or otherwise overtly derogatory notation. Moreover, I was of the impression that this forbearance would not have adverse consequences on credit. 

Am I missing anything? I have used my annual free credit reports for all bureaus a few months ago. Is it worth buying one ad hoc from Experian or Equifax? 

I’m...flummoxed. Any thoughts would be greatly appreciated. 

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Stoopid skores do stoopid things.  


I could look at your TransUnion report and give you a 977, but no one would use my skore to decide if they should give you a loan or a credit card either.


See if you have a recent FICO on one of your other credit card accounts.  FICOs are the only credit scores that matter, because they're actually used by creditors to evaluate your creditworthiness.



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As noted, shiny baubles that rely on data from ANY of the big four but spit out a NON-Fair Isaac score are useless for anything other than knowing that SOMETHING has happened.


A deferral likely upset the bucket balance.  Other issues could be older accounts aging off...someone posted about that just the other day.  But until you have the paper reports from all four bureaus, you won't know for sure what may have occurred. 

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14 hours ago, shifter said:

CreditWise is a FAKO. Ignore it. 


However if it dropped 55 points there's a good chance something reported differently. You need to get your paper reports from all 3 FOUR bureaus and investigate. 


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14 hours ago, Rogue said:

And they do not even score reports......

They don't SELL a score...that does not mean scores are not calculated from their data.  And, strictly speaking, NO bureau 'scores' a report (aside from the shiny bauble hawked to consumers on the website).  Scores are a product of whatever Fair Isaac algorithm the lender wants the data placed into, with the resulting score being a direct product of the data in the report at that precise moment in time. 

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Thanks for the helpful replies. 

I didn’t purchase a full report yet (I’m not yet ripe for my free annuals). I did, however, wait for the monthly FICO score updates on several other cards. 

None show the CreditWise/Transunion -55 point change and, in fact, almost all show marked improvement into the 730/740 range. 

I have a Chase card that features an Experian-affiliated “Credit Journey” VantageScore 3.0 score. That looks like a bit of an outlier, because it’s a markedly lower number than the FICO numbers without any obvious cause. Unfortunately, there is only one data point on the history graph — the current Credit Journey score. So I can’t tell if the number reflects any meaningful change, or if it is just a lower number by whatever math VantageScore 3.0 is using. 

Regardless, I’m more at ease that the FICO scores are behaving more predictably. 

Again, thanks for all of the helpful replies. Stay healthy and stay safe. 

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On 6/3/2020 at 5:36 PM, Speedbird747 said:

I have a Chase card that features an Experian-affiliated “Credit Journey” VantageScore 3.0 score. That looks like a bit of an outlier, because it’s a markedly lower number than the FICO numbers without any obvious cause. Unfortunately, there is only one data point on the history graph — the current Credit Journey score. So I can’t tell if the number reflects any meaningful change, or if it is just a lower number by whatever math VantageScore 3.0 is using.

Vantage is, for the most part, just another FAKO.  Outside of the reference in a recent thread to it having been used on EIDL approval, nobody seems to use it except to give it away as a shiny bauble.  Even the banks that give it away don't use it internally...


Trying to make sense out of ANY fake sKore is an exercise in futility. 

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