I applied for a loan and was told my credit was too low, I had just checked my credit score and it was XXXX. Upon checking my score through my Experian credit tracker I discovered my FICO score had dropped XXXX points in one day. I spoke with Experian who reviewed my report and could not find any reason for my score to drop so dramatically ; they referred me to FICO who would not speak to me. FICO claimed I did n't have an account with them and they could n't help me. I was told to call Experian back. Experian claims they get the scores from FICO. I would like to know why FICO dropped my score XXXX points in one day and there has not been any major changes in my report. I pay all my bills on time