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Why did my credit score change?

Posted on 12/3/18 at 3:15 pm
Posted by The Last Coco
On the water
Member since Mar 2009
6842 posts
Posted on 12/3/18 at 3:15 pm
So my credit score was holding steady at around 825 from March through September. Then in October, it dropped to around 800 for seemingly no reason.

- My credit utilization has remained the same.
- My account age has only gotten older.
- I haven't missed a payment.
- No inquiries since February.
- Credit mix is good and unchanged.

I can't figure out why it would drop unless there is a period of time in which the type of accounts I pay on is factored in. Basically, in February I stopped paying on credit cards monthly as I had been but still left them open. Maybe it took until October for the fact that I stopped using the cards frequently to kick in?

Thoughts? It shouldn't matter in the short term, but in 18-20 months I'll be looking to buy another house and want all the help I can get on a good interest rate. From what I can tell, 800 is a cut off for some lenders between very good and excellent credit and could affect my rate on a mortgage...
Posted by Mr.Perfect
Louisiana
Member since Mar 2013
17439 posts
Posted on 12/3/18 at 3:26 pm to
quote:

was holding steady at around 825 from March through September. Then in October, it dropped to around 800 for seemingly no reason


I cant answer your question but as you know, you wouldn't be dinged on a credit app at 800
Posted by PearlJam
NotBeardEaves
Member since Aug 2014
13908 posts
Posted on 12/3/18 at 3:31 pm to
Which score and from what source?
Posted by Coon
La 56 Southbound
Member since Feb 2005
18492 posts
Posted on 12/3/18 at 3:41 pm to
The subtlest is brags.....
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