Quote:
Originally Posted by retiredguy123
Did you actually hear that from a credit bureau? If not, it would just be speculation. I didn't think they ever shared information about how they calculate the scores.
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No mortgage for the last 11 years, or car payments until I bought in 2018, pay everything with credit cards which are paid off every month and had been 832-833 for over 3 years, occasionally up or down one or two points. Didn’t change when I bought the car and had a $16,000.00 loan, but as soon as I made the last payment, the score dropped to 823. So you can speculate why that happened all you want.