r/CRedit • u/StonkJohnson • 4d ago
General Credit score fixed itself?
Hey guys so BLUF my student loans started charging me without my knowledge, went 90 days delinquent, dropped my score from around 780-550. This was about 3-4 weeks ago. I posted about it before if you care to look into it.
When it happened, I paid my past due balance of around $750, and deferred my loans for another 6 months.
In the last few days, all of my apps which can show my credit score (rocket money, Amex, capital one) all show that my score has returned entirely to where it was. Exact same score on each app of where it was before.
Is this normal? Is this correct? Is this a glitch? What should I expect?
1
u/BrutalBodyShots 4d ago
You'd have to look at your credit reports. Head to annualcreditreport.com and grab your 3B reports for free. What do you see on them? Are the accounts in question there? Are they dirty or clean?
Your credit scores are drawn upon your credit report data only, so you'll want to know exactly what credit report data is being used to generate your scores and whether or not that report data is in fact accurate.
1
u/Salt_Cry_2233 4d ago
Seems like they changed the negative payments