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WTF?? My credit score went down 35 points
Posted on 3/13/26 at 9:21 pm
Posted on 3/13/26 at 9:21 pm
I paid off my auto loan and my score went down 35 points. Never late with a payment, nothing else changed on my credit report except $90 added to a credit card. No late payments on anything.
Doesn’t seem fair.
Doesn’t seem fair.
51
Posted on 3/13/26 at 9:21 pm to doublecutter
It'll be ok.
Posted on 3/13/26 at 9:23 pm to doublecutter
If you are going off Credit Karma, it’s wrong. Always lower for me
Posted on 3/13/26 at 9:23 pm to doublecutter
You always have to owe something in order to make your score go up
Posted on 3/13/26 at 9:25 pm to doublecutter
It's all a scam. I watch mine like a hawk and it goes down for no reason then slowly creeps back up. And it never matches what your score shows when they actually pull your credit.
Posted on 3/13/26 at 9:25 pm to doublecutter
You planning something wild with that credit score soon? You’ll be fine
Posted on 3/13/26 at 9:26 pm to doublecutter
This is normal
Posted on 3/13/26 at 9:27 pm to doublecutter
Only plebeians care about credit scores.
Posted on 3/13/26 at 9:28 pm to LsShoeBAW68
quote:
If you are going off Credit Karma, it’s wrong. Always lower for me
Agreed, I bought a truck last Saturday, CC showed my score at 796, it was 845 when they ran it.
Posted on 3/13/26 at 9:29 pm to doublecutter
quote:
I paid off my auto loan and my score went down 35 points.
Very common. It’s because you now have less of a mix of credit.
It will rise back up relatively quickly (within the next 2 or 3 months).
Posted on 3/13/26 at 9:30 pm to doublecutter
quote:
WTF?? My credit score went down 35 points
A credit score is an "I love debt score." You will not be rewarded by the credit bureaus if you do not have any debt.
This post was edited on 3/13/26 at 10:02 pm
Posted on 3/13/26 at 9:31 pm to doublecutter
short term due to a closed loan. Take a deep breath, will go back to where it was prior.
Posted on 3/13/26 at 9:31 pm to doublecutter
Any system where the same company that sets your score also offers a service to raise your score is blatantly corrupt. Biggest scam of modern times.
Posted on 3/13/26 at 9:31 pm to doublecutter
It is a scam.
Posted on 3/13/26 at 9:32 pm to doublecutter
That really is pretty shitty! Thing is, a change of that magnitude would likely not affect much.
Posted on 3/13/26 at 9:33 pm to doublecutter
I have had no car loan for a while and capital one just cancelled a credit card because I hadn’t used it in over two years. I wonder if that affects me.
Just checked and Wells says 850. But it literally hasn’t changed a point over the 6 months they show. So not sure that’s even real.
I’ve always thought credit scores were a scam.
Eta: the only category that is “very good” instead of “exceptional” is new credit applications. I can’t even remember the last time I applied for credick.
Probably a refi four years ago or so. Weird. Now I need to go make sure some Nigerian prince isn’t racking up debt in my name.
Just checked and Wells says 850. But it literally hasn’t changed a point over the 6 months they show. So not sure that’s even real.
I’ve always thought credit scores were a scam.
Eta: the only category that is “very good” instead of “exceptional” is new credit applications. I can’t even remember the last time I applied for credick.
Probably a refi four years ago or so. Weird. Now I need to go make sure some Nigerian prince isn’t racking up debt in my name.
This post was edited on 3/13/26 at 9:36 pm
Posted on 3/13/26 at 9:34 pm to doublecutter
Shites a scam
I paid off $140,000 lump sum for my student loans after selling my condo
Credit score cratered 100 points
I paid off $140,000 lump sum for my student loans after selling my condo
Credit score cratered 100 points
Posted on 3/13/26 at 9:34 pm to doublecutter
If your shot is paid, why you worried about borrowing money?
This post was edited on 3/13/26 at 9:35 pm
Posted on 3/13/26 at 9:35 pm to doublecutter
I’ve seen mine fluctuate 15 points in a month just from my Amex that never carries a balance over a month. Fico is mostly bullshite unless you’re below 680. That’s one of the few useful indicators of delinquency risk. But really anything higher is typically fine and just people getting games by financiers.
Posted on 3/13/26 at 9:35 pm to Will Cover
quote:
A credit score is an "I love debt score." You will be rewarded by the credit bureaus if you do not have any debt.
Stay out of this Dave.
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