Weird. I got an email from Mint that my credit score changed by more than 10 points since the last update. I logged in to check and the score is now 816. I’m not positive but I thought the last score was in the 830s. The details given didn’t show me what specifically dropped my score. It doesn’t matter much anyway; I’m not thinking of taking out large loans. My “regular” debt is just the monthly credit card balance. The mortgage, car, and student loans are all paid off years ago.
The report did say there were some credit inquiries but they were for new bank accounts. I haven’t opened a new credit card recently either. Why does Goldman Sachs and JPMorgan need to do a credit check if I’m giving them money? Also, I opened accounts at Ally Bank and Barclay Bank at the same time and they did not do a credit check.
Another item was credit utilization. My was pretty low at 4%. I have a lot of old credit cards that I don’t use and was told not to cancel them since credit agencies like long credit histories. I recently got a credit limit bump on my main credit card. Maybe that dropped my utilization since I didn’t buy more stuff but got more credit.
Finally, it’s unlikely but maybe they have access to my UCLA Medical and St. Joseph hospital account balances? Most of it should be paid by Medicare and my work insurance but with almost four years of dialysis and a kidney transplant, probably over $1 million of bills have flowed through those accounts. Is that a plus or minus?
Life with chronic diseases 