@DanteHicks37 wrote:The only change was the CLI from the day before. Score went 808 to 765.
As @Thomas_Thumb already pointed out, even a Vantage score would not drop from a credit limit increase.
But if you want to believe that is what caused the drop, go ahead.
When you find out that was not the case, please revisit this thread and let us know what did cause the score drop.
@DanteHicks37 wrote:Again, I inherently know that shouldn't be the case but I watch all details daily and it is the only change. I have been in recovery mode for the past few years and while the difference in score wouldn't affect my ability to get the best rates, it still does not make any sense.
Just keep in mind, all Vantage 3.0 scores are utterly irrelevant when it comes to rates; if you are really concerned, you'll need to obtain your FICO scores.
I'm not even convinced the people who made vantage 3.0 will be able to tell you why a vantage 3.0 credit score went up or down.
it is an entirely useless credit score and you should avail yourself of the many sources where a free FICO score can be provided so you can see how credit changes impact FICO scores instead.
@FicoMike0 wrote:Could there have been a hard pull for the cli?
If I recall correctly, it has been established the 43 point drop was a Vantage score, and as such, not a real drop. Said another way, a drop in a Vantage score is about as real as a mirage (and no, I'm not talking about the French jet).
@DanteHicks37, given how irrelevant Vantage scores are, most folks doing the deep dive into the scoring models spend a moment or two trying to decide where to invest there energy, and when the consider Vantage the say, "Nah! FICO." Said another way, there really isn't a whole lot known about Vantage, and for good reason, it is ignored by lenders. This is a gentle way of saying, "Why do you care?"
Now, if your FICO scores dropped by a similar amount, T-H-E-N you should care.