Your credit score dropped. Let's find out why.

Answer a few questions and get the most likely reasons, whether the points come back, and what to do next. Built by a former Credit Karma credit score team member.

Start the diagnoser

Score drop diagnoser

Tell me what happened. Takes about a minute.

1 / 4

Where did you see the drop?

Credit Karma Experian, Equifax or TransUnion My bank or card app myFICO Somewhere else

About how many points did it drop?

Less than 10 points 10 to 29 points 30 to 59 points 60 to 99 points 100 points or more

Did it drop at one bureau or several?

Just one of them Two or all three I only see one score / I'm not sure

What happened in the last two months?

Pick everything that fits.

I applied for a card or loan Including car loans, mortgages and store cards A new account was opened I used my cards more than usual Even if I pay in full A card lowered my credit limit A card was closed By me or by the bank I paid off a loan Car, student or personal loan I missed a payment A bill went to collections I was removed from someone else's card As an authorized user I see an account I don't recognize Nothing I can think of

Two quick follow-ups

Right now, how much of your total card limits are you using?

Under 10% of my limits 10% to 29% 30% to 89% 90% or more I'm not sure

How late was the payment?

30 to 59 days late 60 to 89 days late 90 days or more I'm not sure

Why listen to us

We spent years on the other side of the credit score.

AskMoney is made by Nil Ni, an early Credit Karma employee on the product and credit score team, who helped people work out why their scores moved. Now the same help is free here, with no account and no sales pitch.

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Free, plain answers to money questions. Starting with your credit score.

AskMoney is an education site. We are not a lender, a credit bureau or a credit repair company, and nothing here is financial, legal or investment advice for your situation.

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Score drop diagnoser

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