My Credit Expert score dropped 32 points from where it was this morning. This with absolutely no changes to my ratios or balances and no new inquiries! Now it is 694!
I know you said you had no changes, but here is an idea-check your report carefully for duplication of accounts. I have had two accounts "update", resulting in an added account-experienced a 27 point drop.
I checked - all the accounts are the same as before. Everything is identical. No accounts have updated in the last week or so.
When I closed my Nextcard account and Aria (now Getsmart) account my score also dropped 32 points. For what it's worth my score a month later is back to where it was before I closed the accounts. There is no question that the scoring system is suspect, at best. Sean
