Score dropped 100pts. Why?

First off, it is my score from Mint so I am well aware that is a FAKO. Previously my Mint score was a 798 and now it is showing as a 697. I can’t remember the last time I saw a score under 700 so FAKO or not, I am alarmed. What’s even more confusing is that my profile has had little change in the past 3 months (time since last score update). According to the very same Mint page, I have 0 missed payments, 0 derogs, 1 inquiry (had 2 with the 798) and no new accounts in the past 6 months (had 1 new account in the past 3 months at 798) My AAoA is obviously up. I have $39,000 in total limits, which is up from the last update (SP CLI), but I rarely let more than $40 in total post. So what gives? Why does a better profile (inq fell off, AAoA increase) result in a score 100 points lower? Can I chalk it up to the fact that it is a FAKO score? My Credit Karma shows no change. Ideas? Should I be alarmed?

pleiades wrote:
First off, it is my score from Mint so I am well aware that is a FAKO. Previously my Mint score was a 798 and now it is showing as a 697. I can’t remember the last time I saw a score under 700 so FAKO or not, I am alarmed. What’s even more confusing is that my profile has had little change in the past 3 months (time since last score update). According to the very same Mint page, I have 0 missed payments, 0 derogs, 1 inquiry (had 2 with the 798) and no new accounts in the past 6 months (had 1 new account in the past 3 months at 798) My AAoA is obviously up. I have $39,000 in total limits, which is up from the last update (SP CLI), but I rarely let more than $40 in total post. So what gives? Why does a better profile (inq fell off, AAoA increase) result in a score 100 points lower? Can I chalk it up to the fact that it is a FAKO score? My Credit Karma shows no change. Ideas? Should I be alarmed?I wouldn't be alarmed just yet. First of all, there has to be a reason for the huge drop. You would be the best person to answer that. Any collection that might have just showed up ? Any newly closed accounts ? Any newly opened accounts ? Any credit limit decreases ? Something has to have triggered it. First thing I would do is pull of 3 of your bureaus and see what has changed. Only than you will be able to see what has transpired. Good luck and Keep us posted !!

Similar Messages

Balance dropped, score dropped. FICO scores a mystery.

They only reason to pay for the service of credit monitoring here on myFICO is so you have some idea of where you stand when you apply for any type of credit or loan. All the information about understanding FICO scoring is all cookie cutter garbage that you can read on any other "credit monitoring" service. And the people that work for myFICO have no idea what they are talking about either. They just repeat the same cookie cutter garbage I was just mentioning. I really hope they are providing their "services" for free, because if they receive any kind of compensation, it is undeserved. My statement balance on my American Express Everyday card went from $50 to $0 and my scores dropped by 11, 12, and 17 points (Equifax, TransUnion and Experian.) I brought the statement balance back up to $50 the VERY next month. Did my scores recover the lost points I just lost a month ago? No. And I am sure all these "credit experts" will say, "something else in your report must have changed." That is code for, "I have no idea what happened, I am just as clueless as you why your score changed the way it did." The precise formula for generating your FICO score is a well guarded secret. It is the same formula used in determining battle damage to your characters in the old Sega Master System game Phantasy Star. Sometimes when attacked, your character would lose 6 health points, other times 80 health points, and even other times 3/4ths of your total health, and so on and so on. This is how FICO scoring works. The formula basically goes, OOGA BOOGA, OOGA BOOGA, this is your updated score. The only advice on this site (again which you can find on EVERY other credit monitoring service) that is worth anything is what responsible credit habits you should be practicing. Other than that, just hope for the best. Your score is a mystery, and it always will be.

Beavakos wrote:
What difference does it make if there are any negatives on my report? I lost points for doing something negative, which is bringing my balance to zero, than returning it back to its previous balance. THAT IS ALL I DID. I thought time heals all wounds when it comes to credit. Any credit missteps I might have had taken should be corrected with time. I really don't know how to make this any clearer. Nothing in my report changed except TIME. If I have two dollars in my bank account, and spend one dollar, then deposit one dollar, I should have now have TWO dollars AGAIN. ?????????????????I understand what Beavakos is saying here and we all get it. Most of us love analyzing data which is why we are here after we've already cleaned up our reports and greatly increased our scores. Again, I understand how Beavakos feels - it is said time and again that UTIL has no memory and what is lost due to UTIL will be regained - well, not always true. Looking strictly at the data two things changed on Beavakos' report: 30 days were added to age and UTIL went from something above 0% to 0%, then back again and yet Beavakos' score did not fully recoup the loss. The reason for this, I think, is very clear - we do not know as much as we think we know about FICO or any other scoring algorithm. If I lost 10 points for going from 5% UTIL down to 0% UTIL but then gained those 5 points back by raising my UTIL to 5% again then scoring algorithm's are not as complicated as they are made out to be and are thus not worth paying for. The previous scenario is simple math and if indeed it was only that I should be able to retest that hypothesis time and again and get the same exact results - not happening. That said, I do not believe that scoring is a crap shoot or something only a witch doctor can understand. It is a complicated mathematical equation that has 100's, if not 1000's, of factors all having a different weight at a different time and I believe there is no one that can determine with 100% accuracy the effect any one factor, forget about multiple factors, will have on your score. Not even the people who wrote the code would know as no one person wrote the whole code. We should probably stop getting so frustrated with how our scores react to the different changes in our reports. The reason we get upset is that we think this is some simple black and white game and it's not. It is very complicated and we will never know what we want to know to the accuracy level we want to know it. What's important is we know what hurts our score to a high degree and what helps our score to a high degree. Take care of all those things we know about and your score will go up; don't take care of those things and your score will go down. After that it is just a game we play to see how we can get to 800...

Help! "Fixed" credit issues and score dropped today!

For some reason, my score dropped 13 points today. There's 5 alerts on MyFico -- but I just had a $16,000 CO deleted. I can't imagine that would make my score drop. I mistakenly paid all my CCs down to 0 before knowing this wasn't good. My disputes haven't been removed yet. LVNV promised me 3x they would remove from my CR and the alert said it's still there! I called them and they claimed they haven't reported it this month. A couple other old COs are there so I can't think why on earth it would drop 13 pts. I'm in a very tight window for FHA. I'm fine but I can't fall at all and thought my score would bump up a little.a) what can I do quickly to bump up my score just a little?b) what can I do to run a small balance on one of my CCs (because I learned 0 is bad) when it won't update until the end of the month?c) what do you do when these CA say they're going to delete several times (it's almost falling off) and they don't? We are going to underwriting soon, in August, and I'll be so upset if all my efforst resulted in a 13 pt drop. To me, it makes no sense. When a mortgage co pulled a hard inquiry it jumped 11 pts last week! !!? Advice appreciated!

You might be able to put a small amount on one of your credit cards and call them and as for them to report now, and not wait for the normal cycle. I'm not sure which cards are more likely to do it than others. I know I've read on these boards examples of people doing that.

I paid down a card to zero and my score dropped 18 points

Hi and welcome! You need to keep balances low (1-9% util) on credit cards and other revolving credit. High outstanding debt can affect a score. Too much use of credit shows you may need more that you can handle, not good. Not enough use of credit does not demonstrate that you can use credit responsibly, also not good. It is a balance - show you can manage that balance and you will be rewarded. All revolving accounts reporting a 0 balance results in a Fico score decrease. Read up, take it all in, there are many answers in the following post, after that if you need calrification and/or still have questions, ask away! http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169

tufa4311 wrote:
Bostonia wrote:
WOW!! i did not know that little trick, thats wy, my scores has been so slow in rising up, is becouse i paid in full before the statement cus off,and always reported 0 balance, also recently closed a CC account with zero balance, and my scores dropped a lots points, so from now one i willlet report some small balance Hooray!!! i have learned so much from this forum, and each time i log in i learn somenthingnew and beneficial for my financial life!! thank you all for the greatest financial advices!!! you guys are awesome!!! Yes, ensure that not only you let report 1-9%, but also important, only let ONE of your credit lines report anything at all. No matter how many credit lines you have, only let one report a balance of 1-9%. You can and should rinse and repeat for your other credit lines. One billing cycle let Credit Card A report, next cycle let credit card B report. This is unnecessary and needlessly complicates things as cards seldom all report at the same time. Just pick one card and allow it to be your "reporter". By switching cards each month you can end up with periods between the cards reporting dates where either both are reporting a balance or neither is reporting a balance. That causes your scores to bounce around. So, wait until your statement cuts - when the statement is cut is when the reporting is done to the credit agencies, then before your due date pay in FULL so as not to incur any interest. Then start on your next credit line. Remember, it's not that you never want to pay in full, it's that you do not want to pay in full BEFORE the credit card reports. If you wait past the due date then you will incur interst. Also, note, you can use as many cards as you like with as high balance as you like during the billing cycle as long as when the reporting gets done you only have one line reporting 1-9%. Reporting to the credit agencies is not done daily, just once per billing cycle. If you know when your statement cuts, and you can ask them, then you know when you need to clean things up with your balances before it cuts/reports.

Why does the top button always brake why as my screen decided to pop off why is the back of my case bending when I have never dropped it why dose this shity phone keep sending text messages as picture messages this is the worst phone av ever had!!

Why does the top button always brake why as my screen decided to pop off why is the back of my case bending when I have never dropped it why dose this shity phone keep sending text messages as picture messages this is the worst phone av ever had!!

I know a lot of people with iphone 5 and have never heard them complain about top button always brake and screen that decides to pop off or the back of their case is bending.
That sounds like a phone that has been dropped a numerous times.

Score Dropped 60 Points from paying off loan

I had two college loans. Nelnet - 40,000 and KeyBank - 30,000 (Default) Had a family member Pledge money into a loan for myself and I paid back Nelnet for the full amount and settled with KeyBank for 70% (around 20,000) Two months later I ran another report and my score dropped from 672 (Started at 400 from five years ago) and dropped down to 612. No way my wife and I can get a house. I knew it could drop but not 60 points! It's going to take another year to bring it back up to the 670-680 range that I really needed to make a mortgage work. My tracking the last 2 years had been great. Each score was going up each 3 months and we've put a lot into savings and everything has been great. Very depressing to hold my family back like this. I also knew I would be applying for a mortgage at this time so about 6 months ago I opened my first credit card (Capital One QuickSilver -$2,000 limit) SO I have made weekly payments (I emotionally feel better making weekly payments for some reason) and wonder if asking to increase my limit would help or hurt my score. Thanks everyone.

MrE wrote:
I had two college loans. Nelnet - 40,000 and KeyBank - 30,000 (Default) Had a family member Pledge money into a loan for myself and I paid back Nelnet for the full amount and settled with KeyBank for 70% (around 20,000) Two months later I ran another report and my score dropped from 672 (Started at 400 from five years ago) and dropped down to 612. No way my wife and I can get a house. I knew it could drop but not 60 points! It's going to take another year to bring it back up to the 670-680 range that I really needed to make a mortgage work. My tracking the last 2 years had been great. Each score was going up each 3 months and we've put a lot into savings and everything has been great. Very depressing to hold my family back like this. I also knew I would be applying for a mortgage at this time so about 6 months ago I opened my first credit card (Capital One QuickSilver -$2,000 limit) SO I have made weekly payments (I emotionally feel better making weekly payments for some reason) and wonder if asking to increase my limit would help or hurt my score. Thanks everyone. Increasing your limit will not effect your scores either way, unless the card is carrying a large balance - then it will help. First off - your revolving credit is thin with only one CC. Second - do you have any other installment loans? The drop is most likely from the defaulted loan updating and not having any installment loans. That's temporary and your scores will recover as that item ages now. Your issues are easily fixable. First step is to get a second Capital One card. You should get an immediate boost from a second card. A third card from another lender would be good as well. Maybe Discover. If you have no other installment lines, open an account with SDFCU and do a share secured loan with them for $500 @ 36 months. That will also boost your scores. If you have trouble getting a third card, you can get a secured card from SDFCU as well. Three revolving lines will force your scores up much faster than just one. If your last two years are clean, you could easily hit 680 in 3-6 months. After you get the multiple revolving accounts going, to peak your scores you want to only allow one of the cards to report a small balance of less than 10% of its limit.

WEI score dropped after RAM upgrade

i am facing a problem of my x201,i buy 2 of 4gb ram for it ,but i rate the windows experience index , my mark of the processor drop form 6.7 to 3.7 also the mark of the ram drop from 6.7 to 5.4 too.the config of my machine is i3 380m ,8gb ,320 gb(7200rpm) WHY? anybody can tell me?
Moderator Note: Edited subject to match content.
Solved!
Go to Solution.

Ignore windows expirience index. it's good for a baseline feeling of things, but it's not extremely accurate.
find a real benchmarking program. run it and see what it tells you.
I use Everest Benchmarking from Lavalys, but it's up to you.
Oh, and if you really have 8gb of RAM installed, chances are that your processor might be having trouble reading through it as quickly as It would 4 Gb of Ram. that extra load in reading the memory would also produce the drop in Processor score you saw. I wouldnt think it would drop that much, but who knows.
But again, WEI isn't that accurate when you get into high preformance and large memory.
Oh, and you did buy DDR3-1066Mhz capable RAM sticks, right? If you bought DDR2 sticks, they'll still work, but they'll slow you down.
Might also want to check the Frequency on your Memory Bus in you BIOS. the bios on my desktop sometimes flips out when I install new memory, and it defaults to a "safe" frequency. on the x201, I'm pretty sure it's 1066Mhz, or 1333Mhz, depending on what Bell-and-Whistle set you've bought. Don't take my word for it though. Check with lenovo support and in your documentation before screwing with your BIOS.

PP CS6 Title Safe Motion Automatic Drop Shadow - WHY and how do I turn it off?

Hello all.
I'm new to Premiere (one week) after years on Avid. So go easy on me.
I've created a title that I've added some motion to (basic stuff, just moved the position/added some directional blur so that the camera pan matches the title movement). The moment the edge of the title frame enters the screen a drop shadow appears - but only if there's motion (see attached picture).
At first I thought it wouldn't show up on export- but it did. I'm sure it was placed there by programmers as some kind of marker, or edge warning, but why in the world can't I find a place to shut it off? I tried everything, watched about 2 hours worth of adobe TV, youtube, vimeo tutorials, read forums, the software's help section, etc. Had a chat conversation with an adobe rep in India and he suggested I animate using title crawl - in the end he didn't know how to turn the shadow off. I could always go to AE, but why should I have to do this for something so basic? Is there ANY way to shut this feature off (considering how customizable everything that adobe makes tends to be)? Or do I have to bite the bullet and create a Matte to over the shadow (silly considering it wasn't my creative choice).
PS: If I stack video on top of video the same shadow does not appear, even if I add motion to it - so this is a title only problem.
PPS: Yes, I could zoom into the frame to avoid the shadow (and if there is no answer or solution to my question I will do that) but why should there be a permanent shadow on a Title frame that already has several safety markers - including a while edge around the frame???? Or furthermore, why should we be limited to work inside a frame???
Thank you for your help/time.

It's locked and I'm unable to toggle it, but it seems like that is the current setting. It still shows the shadow.

I just found out my credit score dropped because Verizon One bill put me through collections for my final bill that I never received and after almost two hours on the phone transferred back and forth they still could not confirm if I owe money or not.

After 2 hours transferred back and forth between billing, one bill, home and wireless no one could prove that I owed money. Wireless said I owed nothing and home said I had a credit for cancelling a couple days before the billing cycle but owed for wireless. After a three-way called between Home and Wireless and Wireless insisting I do not owe anything, the Home representative disconnected herself, the wireless rep promised me a call back the next day to get the other department online and to get everything resolved. No one called me back next day and the day after. Knowing this could go in circles and don't want to do anything bad to my credit, I paid the settlement amount to the collection agencies. Now I saw that my credit score got ding for an amount that Verizon couldn't prove that I owed. I should not have paid it at all. If someone from Verizon reads this message, please get back to me and get this resolved. After more than 15 years with this company, this is making me so frustrated. I liked Verizon services but at this point I am going to start looking for someone with better billing.

I called customer service, spoke to Verizon Wireless Representative but they cannot pull anything on my record. So after two transfers I asked to speak to financial services. Spoke to Ronnie Ext 5100. Representative was very rude, not listening, kept on insisting that since I paid the collection agency I cannot dispute. Said should not have paid the collection agency. Rep was over talking, not listing to me explaining my frustration of being on the phone for hours in November between Verizon OneBill, Home and Wireless and got nothing resolved, and that's why I paid. Said there's nothing she can do except to put a note to Credit Bureau that the account is paid in full. I asked to talk to a supervisor or a manager and she said no one can do anything else. I insisted and she asked me to leave a phone number to call back. After all the calls and speaking to many reps, this is the worst. Now I am back to square one waiting for someone to call me back. And my credit score is still one hundred points lower thanks to Verizon!!!

JComboBox cannot drop down,why?

here is the source code:
import java.awt.*;
import java.awt.event.*;
import javax.swing.*;
import java.applet.Applet;
public class Btn extends Applet
     JComboBox cmb1;
     String[] str={"123","456","789"};
     public void init()
          cmb1=new JComboBox(str);
          add(cmb1);
Here you can see there are 3 items with the cmb1,and when the appletviewer
runs,yes,I can see the JComboBox,and the arrow on it,but when I click the
arrow,it doesn't drop down at all.(When I press arrow keys,the current item
also changes,but doesn't dropdown at all).I don't know why.There seems no
errors....

hi,
two 'mistakes':
- use JApplet instead of Applet
- add your items to an applet and set that panel as your applets contentpane like this:import java.awt.*;
import java.awt.event.*;
import javax.swing.*;
public class Btn extends JApplet
    JComboBox cmb1;
    String[] str={"123","456","789"};
    public void init()
     JPanel pnl = new JPanel (null);
     cmb1=new JComboBox(str);
     cmb1.setBounds(10,10,150,25);
     pnl.add (cmb1);
     setContentPane(pnl);
}greetings,
Stijn

DSL keeps dropping out - why? :(

I've had Inifinity 2 for a couple of months now and was very pleased with the service initially, high speeds and reliable connection. I work from home so the connection is very important to me.
The last couple of evenings the connection has been dropping completely and taking several minutes to come back up. It's not just the HomeHub, the fibre modem's DSL light goes off as if there's a line fault. This happens repeatedly throughout the evening, usually starting from about 5.45pm. There seems to be no rhyme or reason to it, it just drops. Nothing has changed here, it has literally started out of the blue. It doesn't matter which devices are connected - wired desktops, laptops, wireless phones/tablets/PS3. It just keeps dropping at random.
I even noticed it a few times this morning.
So, what do you lovely BT chaps need to know from me in order to sort this out?
Here are the router logs from this evening:
  22:08:10,04 Jun.
HTTP User admin login from 192.168.1.64 successfully.
  22:06:02,04 Jun.
Device connected: IP 192.168.1.64, MAC 14A:E9:43:4A0, host Moogies-box
  22:06:02,04 Jun.
DHCP Lease issued for IP 192.168.1.64 to host Moogies-box (MAC 14A:E9:43:4A0), duration: 1 day
  22:06:02,04 Jun.
Receive a DHCP request: 192.168.1.64, 14A:E9:43:4A0.
  22:05:55,04 Jun.
LAN1 up
  22:05:53,04 Jun.
LAN1 down
  21:47:52,04 Jun.
Client associated: IP 192.168.1.75, MAC B4:07:F9:80:C8:8F, host dhcpcd 4.0.15, Link Rate 58.5 Mbps
  21:47:52,04 Jun.
DHCP Lease issued for IP 192.168.1.75 to host (MAC B4:07:F9:80:C8:8F), duration: 1 day
  21:47:52,04 Jun.
Receive a DHCP request: 192.168.1.75, B4:07:F9:80:C8:8F.
  21:47:50,04 Jun.
Receive a DHCP request: 192.168.1.75, B4:07:F9:80:C8:8F.
  21:44:48,04 Jun.
Device connected: IP 192.168.1.74, MAC 08:60:6E7:7A:22, host Rich-PC
  21:44:48,04 Jun.
DHCP Lease issued for IP 192.168.1.74 to host Rich-PC (MAC 08:60:6E7:7A:22), duration: 1 day
  21:44:48,04 Jun.
Receive a DHCP request: 192.168.1.74, 08:60:6E7:7A:22.
  21:44:45,04 Jun.
LAN4 up
  21:44:43,04 Jun.
LAN4 down
  21:44:31,04 Jun.
LAN4 up
  21:44:27,04 Jun.
Device disconnected: IP 192.168.1.74, MAC 08:60:6E7:7A:22, host Rich-PC
  21:44:27,04 Jun.
LAN4 down
  21:30:02,04 Jun.
Client disassociated: IP 192.168.1.68, MAC D4:878:A7:3D:29, host dhcpcd 4.0.15, Reason Code 8
  20:11:36,04 Jun.
Device connected: IP 192.168.1.74, MAC 08:60:6E7:7A:22, host Rich-PC
  20:11:36,04 Jun.
DHCP Lease issued for IP 192.168.1.74 to host Rich-PC (MAC 08:60:6E7:7A:22), duration: 1 day
  20:11:36,04 Jun.
Receive a DHCP request: 192.168.1.74, 08:60:6E7:7A:22.
  20:11:31,04 Jun.
LAN4 up
  20:11:29,04 Jun.
LAN4 down
  19:09:38,04 Jun.
Possible PS or DA. src=85.133.221.209 DST=86.169.138.92 LEN=48 TOS=0x18 PREC=0x60 TTL=109 ID=17462 DF PROTO=TCP SPT=1992 DPT=445 WINDOW=65535 RES=0x00 SYN URGP=0 OPT (0204057801010402)
  18:22:04,04 Jun.
LAN1 up
  18:22:02,04 Jun.
Device disconnected: IP 192.168.1.64, MAC 14A:E9:43:4A0, host Moogies-box
  18:22:02,04 Jun.
LAN1 down
  18:18:33,04 Jun.
CWMP:session completed successfully
  18:18:32,04 Jun.
CWMP:session start now, server:https://pbthdm.bt.mo, Event code:, 4 VALUE CHANGE
  18:18:30,04 Jun.
WAN Auto-sensing detected port ETH
  18:18:30,04 Jun.
WAN Auto-sensing last connection port: ETH
  18:18:27,04 Jun.
WAN connection WAN4_TR069_INTERNET_R_ETH1 connected.
  18:18:27,04 Jun.
PPP IPCP Receive Configuration ACK
  18:18:27,04 Jun.
PPP IPCP Send Configuration Request
  18:18:27,04 Jun.
PPP IPCP Receive Configuration Reject
  18:18:27,04 Jun.
PPP IPCP Receive Configuration NAK
  18:18:27,04 Jun.
PPP IPCP Send Configuration Request
  18:18:27,04 Jun.
PPP IPCP Receive Configuration Reject
  18:18:27,04 Jun.
PPP IPCP Send Configuration ACK
  18:18:27,04 Jun.
PPP IPCP Receive Configuration Request
  18:18:27,04 Jun.
PPP IPCP Send Configuration Request
  18:18:27,04 Jun.
PPP CHAP receive success: authentication ok
  18:18:27,04 Jun.
PPP CHAP Receive Challenge
  18:18:27,04 Jun.
PPP LCP Receive Configuration ACK
  18:18:27,04 Jun.
PPP LCP Send Configuration Request
  18:18:27,04 Jun.
PPP LCP Receive Configuration Reject
  18:18:27,04 Jun.
PPP LCP Send Configuration ACK
  18:18:27,04 Jun.
PPP LCP Receive Configuration Request
  18:18:27,04 Jun.
PPP LCP Send Configuration Request
  18:18:22,04 Jun.
OpenWiFi tunnel down
  18:18:21,04 Jun.
WAN connection WAN4_TR069_INTERNET_R_ETH1 disconnected.[ERROR_ISP_DISCONNECT]
  18:18:21,04 Jun.
PPP LCP Send Termination ACK
  18:18:21,04 Jun.
PPP LCP Receive Termination Request
  18:16:11,04 Jun.
Client associated: IP 192.168.1.68, MAC D4:878:A7:3D:29, host dhcpcd 4.0.15, Link Rate 39.0 Mbps
  18:13:52,04 Jun.
NTP synchronization success!
  18:13:52,04 Jun.
NTP synchronization start.
  18:13:20,04 Jun.
Client disassociated: IP 192.168.1.68, MAC D4:878:A7:3D:29, host dhcpcd 4.0.15, Reason Code 4
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.79, FC:0F:E6:C4:2A:1A, PS3
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.78, 00:18:41:F9:90:92, dhcpcd 4.0.1
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.77, 10:9AD1:F1:F7, becky
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.76, 38:AA:3C:2D:B5:24, android-bc71095eee90f12a
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.75, B4:07:F9:80:C8:8F, dhcpcd 4.0.15
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.73, 00:0F:3D:F2:B5:64, richs-pc
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.69, 00:17:31:66:31:82, SparePC
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.71, 00:0F:B5:FBE:32, richs-pc
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.70, 00:164:58:E6:99, Moogies-Note
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.72, 00:18E:6D:6A:44, Moogies-Note
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.67, F81:11:18:E1:E6, richs-pc
  18:13:20,04 Jun.
DHCP Lease expired: 192.168.1.66, 00:1A:4D:36:7E:7A, richs-pc
  18:03:20,04 Jun.
DHCP Lease renewed for IP 192.168.1.65 to host android-19018583aad8148b (MAC 08:60:6E:AD:17:AF), duration: 1 day
  18:03:20,04 Jun.
Receive a DHCP request: 192.168.1.65, 08:60:6E:AD:17:AF.
  17:56:39,04 Jun.
CWMP:session completed successfully
  17:56:38,04 Jun.
CWMP:session start now, server:https://pbthdm.bt.mo, Event code:, 4 VALUE CHANGE
  17:56:36,04 Jun.
WAN Auto-sensing detected port ETH
  17:56:36,04 Jun.
WAN Auto-sensing last connection port: ETH
  17:56:31,04 Jun.
WAN connection WAN4_TR069_INTERNET_R_ETH1 connected.
  17:56:31,04 Jun.
PPP IPCP Receive Configuration ACK
  17:56:30,04 Jun.
PPP IPCP Send Configuration Request
  17:56:30,04 Jun.
PPP IPCP Receive Configuration Reject
  17:56:30,04 Jun.
PPP IPCP Receive Configuration NAK
  17:56:30,04 Jun.
PPP IPCP Send Configuration Request
  17:56:30,04 Jun.
PPP IPCP Receive Configuration Reject
  17:56:30,04 Jun.
PPP IPCP Send Configuration ACK
  17:56:30,04 Jun.
PPP IPCP Receive Configuration Request
  17:56:30,04 Jun.
PPP IPCP Send Configuration Request
  17:56:30,04 Jun.
PPP CHAP receive success: authentication ok
  17:56:30,04 Jun.
PPP CHAP Receive Challenge
  17:56:30,04 Jun.
PPP LCP Receive Configuration ACK
  17:56:30,04 Jun.
PPP LCP Send Configuration Request
  17:56:30,04 Jun.
PPP LCP Receive Configuration Reject
  17:56:30,04 Jun.
PPP LCP Send Configuration ACK
  17:56:30,04 Jun.
PPP LCP Receive Configuration Request
  17:56:30,04 Jun.
PPP LCP Send Configuration Request
  17:54:45,04 Jun.
PPP LCP Send Termination Request
  17:54:43,04 Jun.
OpenWiFi tunnel down
  17:54:42,04 Jun.
WAN connection WAN4_TR069_INTERNET_R_ETH1 disconnected.[ERROR_ISP_TIME_OUT]
  17:54:42,04 Jun.
PPP LCP Send Termination Request
  17:14:11,04 Jun.
CWMP:session completed successfully
  17:14:10,04 Jun.
CWMP:session start now, server:https://pbthdm.bt.mo, Event code:, 4 VALUE CHANGE

Thanks. I've now had 2 engineer visits so far and although they temporarily fixed the problem it has now happened again and is really starting to drive my hubby & I crazy!
The first time the engineer came out he checked the socket wiring in the house, found no problems, got a cherrypicker in to check the line at the pole (unsafe to climb apparently) and that improved the speed. He then checked at the modem and found that the cable the engineer (contracter?) who fitted it hadn't fitted the connector properly, some known issue with a fitting tool or something - so he sorted that out and woohoo, back up to full speed - 75mb+
That was fine for a couple of weeks.
Last Monday morning the connection dropped out. Then repeatedly dropped out every few minutes all afternoon, making it almost impossible to work. The speed had also dropped to 35mb according to various online checkers, including BT's speed test, which registered our speed as poor. I gave it until Tuesday just to see if it resolved itself/was a temp problem. No joy, still slow as you like - though no more drop outs. Contacted BT and an engineer came out the next afternoon.
Lovely chap, did all the same checks as before, no faults found, nothing wrong with the wiring. He even tried tugging on the phoneline to the house while checking the line, made no difference, so didn't seem to be anything wrong with the line to the house. All equipment indicated capable of full speed 80mb. All the engineer could say was that there was nothing wrong with the line, but clearly there had been something which caused the line to drop out and the cabinet then dropped our speed to stablise us. He requested a speed reset and all was well (ish) thereafter at about 60-65mb. Not quite as fast as the previous chap got it, but a darn sight better than 35mb.
The next morning another engineer turned up, unaware we'd had a visit the previous afternoon. I told him all about what the engineer had said the previous day and what had happened and he went away. Note I did tell him that he was welcome to come in and have another look, but there was nothing currently wrong for him to look at.
Last night (Sunday) the line dropped out a couple of times - again, no apparent reason. And once again we find our speeds capped at around 35mb. Doing the BT speed tests throws up odd results, telling us we have 0mb to the house and 38mb inside. Odd! I've been on to BT all morning, they tried to pass me onto a paid tech support line which I refused as both engineers have confirmed this isn't going to be something software/settings related - it happens regardless of which computer/laptop/device we are using wired or wireless, the line can even go down when we're not using it.
So, it's been logged on the last fault which is still open and being investigated. I have asked if they can please re-set the line speed for us but have been told this would only be a temporary fix. What else can I do? Something out there is making the line drop out and then we get speed capped. BT can't find a fault.
None the wiser as to why the connection sometimes drops out, but this is clearly the cause of the speed drops as the cabinet tries to stabilise things. We're only a stone's throw from the cabinet and both engineers say we should have full speed.
Could the modem be faulty and causing the drop outs? I don't know. I really don't know what else to do at this point. I guess we're going to end up with another engineer visit, but suspect all he can do is tell us the same thing and get the line reset.
Is there any chance our ancient BT wireless phone could be causing the problem? - we do get a bit of crackle on it, although the line itself is apparently clear of noise when tested. It's not connected to the same socket as the router, but to an extension downstairs (which was originally the master socket, but the engineer who fitted infinity swapped the sockets for us as we needed the fibre upstairs).
Anyone got any other thoughts as to what it could be? Has anyone else had this problem and resolved it?

Credit Score Drop & Credit Limit Increase.

This morning I had 7 points drop from my credit score. This past month I decided to pay off a 10 year student loan early thinking it would help my credit score. I know it has helped my financial situation but has given my credit score a hit. I am thinking I got the hit because I closed the account out which significantly lowered my AAOA. I have a auto loan that I am currently paying off and the loan ends in about 2 years. Ive been going back and forth about paying off this also, but since I got the hit I just decided not to and just wait the 2 years. In my report I have 1 missed payment waiting to fall off next month, and after that I am pretty set. I have been also itching for another credit card. At the moment I only have one card which is my Barclaycard. What are your thoughts on opening up another one? I know it'll drop my score but I am thinking that I need to replace my loan with something beneficial such as another credit card. I am just not sure if that is a good thing. This morning I checked my Barclaycard statement and realized that they increased my credit limit. I started off with $1000 and they gave me a credit limit of $3500. So my question is how will this affect my credit score? I am on the road of rebuilding my credit. I started this road in the low 500's and within a few months I was able to get my score up to the low 700's with the help of this forum and advice. I would hate to see myself go backwards again. Any advice would be great.

hazeboo wrote:
This morning I had 7 points drop from my credit score. This past month I decided to pay off a 10 year student loan early thinking it would help my credit score. I know it has helped my financial situation but has given my credit score a hit. I am thinking I got the hit because I closed the account out which significantly lowered my AAOA. I have a auto loan that I am currently paying off and the loan ends in about 2 years. Ive been going back and forth about paying off this also, but since I got the hit I just decided not to and just wait the 2 years. In my report I have 1 missed payment waiting to fall off next month, and after that I am pretty set. I have been also itching for another credit card. At the moment I only have one card which is my Barclaycard. What are your thoughts on opening up another one? I know it'll drop my score but I am thinking that I need to replace my loan with something beneficial such as another credit card. I am just not sure if that is a good thing. This morning I checked my Barclaycard statement and realized that they increased my credit limit. I started off with $1000 and they gave me a credit limit of $3500. So my question is how will this affect my credit score? I am on the road of rebuilding my credit. I started this road in the low 500's and within a few months I was able to get my score up to the low 700's with the help of this forum and advice. I would hate to see myself go backwards again. Any advice would be great. Your AAOA doesnt get affected, it will still count towards your AAOA for 10 yrs from the time of closing.The credit line increase will not hurt your credit scores. If youre going to apply for another CC, i would wait until your CR repoets $0 balance/account closeed/paid as agreed. If you're score went down for paying the school loan off, it should go back up soon...doesnt make sense. When i got my two auto increases with Barclay, they HP me...maybe it changed but i would check and make sure they didnt do that. If they did, i would dispute that you didnt give them permission for auto HP increase. Worked with my wife. Anyonre?

I have 9.0.1 on 2 pc's, both xp sp3. On 1 the 'open new tab' button is visible, on the other, the 'open new tab' button is not even available in the 'customize toolbar' menu for dragging and dropping. Why?

I used the same installation file, but on 1 pc, the 'open new tab' button is available in the 'customize toolbar' menu and can be dragged and dropped onto the navigation bar. On the other pc, the 'open new tab' button/icon is not even available for dragging and dropping. I uninstalled firefox completely, including settings and preferences, then reinstalled, but that did not correct the missing button.

Hi,
Please try '''Restore Default Set''' in the '''Customize...''' window. If it's still not visible, one reason could be that the button is already placed on the toolbar but may be hidden behind another icon or toolbar.
Useful links:
[https://support.mozilla.com/en-US/kb/Options%20window All about Tools > Options]
[http://kb.mozillazine.org/About:config Going beyond Tools > Options - about:config]
[http://kb.mozillazine.org/About:config_entries about:config Entries]
[https://support.mozilla.com/en-US/kb/Page%20Info%20window Page Info] Tools (Alt + T) > Page Info, Right-click > View Page Info
[https://support.mozilla.com/en-US/kb/Keyboard%20shortcuts Keyboard Shortcuts]
[https://support.mozilla.com/en-US/kb/Viewing%20video%20in%20Firefox%20without%20a%20plugin Viewing Video without Plugins]
[http://kb.mozillazine.org/Profile_folder_-_Firefox Firefox Profile Folder & Files]
[https://developer.mozilla.org/en/Command_Line_Options#Browser Firefox Commands]
[https://support.mozilla.com/en-US/kb/Basic%20Troubleshooting Basic Troubleshooting]
[https://support.mozilla.com/en-US/kb/common-questions-after-upgrading-firefox-36 After Upgrading]
[https://support.mozilla.com/en-US/kb/Safe%20Mode Safe Mode]
[http://kb.mozillazine.org/Problematic_extensions Problematic Extensions]
[https://support.mozilla.com/en-US/kb/Troubleshooting%20extensions%20and%20themes Troubleshooting Extensions and Themes]
[https://support.mozilla.com/en-US/kb/Troubleshooting%20plugins Troubleshooting Plugins]
[http://kb.mozillazine.org/Testing_plugins Testing Plugins]

Dragging Icons stops working after organizing using drag and drop. Why?

On the newest MBA (2013)
While organizing my music I was creating new folders within the artists' folder in order to seperate things into albums. sometimes when im dragging the songs into this newly created folder ( I drag them in like groups of 10 , really depends on the length of the album) the ability to drag any icon is completely gone. I can still highlight folders and icons but I can no longer move them at all ( using the three finger move on the mouse pad or by holding the click and dragging )
It only happens when I select and drag a few songs over to the folder and drop them in without waiting for that folder to open up.
This forces me to restart in order to be able to use OSX normally again.
Does anyone have any insight? Do I need to just wait for a new update ?

I found this by EvB on https://discussions.apple.com/thread/4830916
"Try this.
Open a Terminal and type the following commands:
cd /
sudo rmdir tmp
sudo ln -s tmp /private/tmp
If your tmp directory is not already there then the second command will give an error - just proceed to the third command in this case.
Once you have done this sequence, reboot the machine and see if your drag and drop is restored."
Not sure if this fixed the problem or if rebooting temerally fixed it again.
Nope did not fix it

Transunion & Equifax Credit Scores Dropped more than 20 pts!!!

I check my husbands credit score once a week (Credit Karma updates weekly). His scores have been between 525 and 540 on both with Transunion being the highest. For the past 2 weeks they have gone down! Equifax is now 499 and Transunion is 468!!
There's nothing new that I can see, does anyone know the reason this can happen?? He has a few collections, nothing new was added. The collection agencies report monthly. PRA only reported to Transunion for June!
Thanks

CK is basically worthless when it comes to gaining an 'accurate' overall snapshot of your credit profile and score. It always shows that one of my new auto loans has been deleted from the report, yet all of my credit reports (including CK report) show it is still there.My TU FICO8 is 757, no baddies at all, and yet CK shows my score to be 617 (no baddies, everything exactly as the TU site and MyFico reports). Also, I almost didn't apply for a LOWEs card because it showed that I had a poor chance of being approved. I did it anyway and have a $10K SL. It's great for notifications, I get them almost immediately and it's great to review and if anything seems inaccurate, you can pull the actual report, but other wise, Ck is for entertainment, IMHO

Score dropped 100pts. Why?

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