Results 1 to 8 of 8
  1. #1
    mark is offline Senior Member
    Join Date
    Aug 2002
    Posts
    801

    PRM drops my score 3 points

    my EQ score dropped 3 points today because of a friggin PRM inquiry from Household Bank.
    Im not even a Household Bank customer. what gives?

    gheez.
    -mark
    "more fuel for the fire..."

  2.  
  3. #2
    Mommy2cats is offline Senior Member
    Join Date
    May 2002
    Posts
    393

    PRM drops my score 3 points

    Hasd to be some other reason - as PRM inquires do NOT count in your score.

    Did you have a higher balance on a credit card? Something had to make the change - but it would not be the PRM.

    Mommy2cats
    ___________________________

    As soon as I figure out what Life is.... I'm going to get me one!

    EQ 521 5/1 now 775
    TU 523 5/1 now 742
    EX 521 5/1 now 661
    Almost 700 Club!

  4. #3
    mark is offline Senior Member
    Join Date
    Aug 2002
    Posts
    801

    PRM drops my score 3 points

    nothing changed, I swear..I checked it out several times now trying to figure out what changed.

    that is the only other difference is my own pull of the report for today. :/

    EDIT: Im with george..random number generator.
    -mark
    "more fuel for the fire..."

  5. #4
    Mommy2cats is offline Senior Member
    Join Date
    May 2002
    Posts
    393

    PRM drops my score 3 points

    Check the balances of any of your tradelines carefully - it has to be one of them.

    Mommy2cats
    ___________________________

    As soon as I figure out what Life is.... I'm going to get me one!

    EQ 521 5/1 now 775
    TU 523 5/1 now 742
    EX 521 5/1 now 661
    Almost 700 Club!

  6. #5
    LKH
    LKH is offline Senior Member
    Join Date
    Apr 2000
    Posts
    6,494

    Re: PRM drops my score 3 points

    Originally posted by Mommy2cats
    Check the balances of any of your tradelines carefully - it has to be one of them.

    Mommy2cats
    Exactly. PRM's do NOT cause point loss.

  7. #6
    mark is offline Senior Member
    Join Date
    Aug 2002
    Posts
    801

    Re: PRM drops my score 3 points

    no change other than the PRM and my pulls from creditwatch. had my wife check it for me in case I missed something. no updates on my report other than the pulls since 1/20/2003
    -mark
    "more fuel for the fire..."

  8. #7
    tnobles is offline Senior Member
    Join Date
    Sep 2002
    Posts
    1,565

    Re: PRM drops my score 3 points

    Look, over the last 3 or 4 months, my score has dropped between 5 and 10 points EVERY month for no reason, as a matter of fact, my score has dropped today. So it is not the prm, it's just bogus scores.

  9. #8
    luckymom is offline Senior Member
    Join Date
    Jan 2003
    Posts
    346

    Re: Re: PRM drops my score 3 points

    Originally posted by tnobles
    it's just bogus scores.
    I have to agree. Remember also that the scores are supposed to some sort of avereage of everyone else, so as other peoples credit behavior changes, your behavior is scored differently.

    PRM is a promotional inquiry and it means that the creditor wants to offer you something. I believe they only get limited info and do not even see your whole file.

    HTH

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