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I don't know why my credit score (according to credit karma) dropped about 90 points in two month. I have 100% on time payments and did not have any major changes in credit. My monthly payments increased just a little bit my debt to income ratio increased to about 5%. I didn't cancel any credit cards or anything. The only thing I can think of that would negatively affect my credit, is I did one hard inquiry to see if I would qualify for an autoloan, except it has not been reflected yet. I also switched about 8k from my checking account to my fidelity investment account but I doubt that matters. I don't really need to apply for credit/loans but I like keeping tabs on my credit. 
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Jul 9, 2012 19:48
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| # ¿ May 20, 2024 20:33 |
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LorneReams posted:DTI has no effect on credit score. I would pull a free report and see if something changed, otherwise it may just be this fake score being wonky. I just pulled my free credit report, and there are no inquiries in the past year and everything else is on time payments with nothing of note. I guess I shouldn't worry about it?
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Jul 9, 2012 20:30
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