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re: Why do credit scores change with no changes in history?
Posted on 12/3/22 at 12:29 am to shoelessjoe
Posted on 12/3/22 at 12:29 am to shoelessjoe
Mine dropped almost 100 points two months ago (it was 846). It was a couple months after I has paid off all my credit card debt and had been keeping a $0 balance by paying as soon as I charged anything. The explanation was that I wasn’t utilizing enough of my credit. Over the last two months I’ve kept a small balance on two credit cards. While I haven’t recovered the full 100 points, my credit scores are now back over 800.
1
Posted on 12/3/22 at 1:47 pm to armsdealer
quote:
Anyone know for sure if/how much medical debt counts?
quote:
Anything over $500 and behind counts. If you are paying and were never behind, even if it is $10 a month they shouldn't report it.
It’s for my kid. Hospitalized while on my ex’s insurance, which come to find out had changed to a super high deductible plan. I was the one who brought her to the hospital and am listed as the parent. I paid off the hospital bill but strangely, the day that was paid off i got notices of other bills from various doctors and labs that they hadn’t sent me before. Like 6 months after the hospitalization. Like they were holding on to those until after the big one was paid. They are telling me that they don’t do the whole “send a few bucks a month until you die” thing anymore, and it will be sold to collectors if not paid. Really fk’d up.
Posted on 12/3/22 at 4:46 pm to MMauler
I recently had one drop 50 pts and no reason given. Credit utilization is the only thing I can figure.
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