SCORE DROPPED

I am member of TransUnion where I paid once off fee of R319 to have access to my credit report anytime. On the 14/10/2017 my credit score was 551 and today the 23/10/2017 it is 545. Question why has it dropped even though there are no recent enquires on my profile as the last enquiry was done on the 18/07/2017.

The other concern is one of my accounts was duplicated in my profile the affected account is stuttafords and I noticed the duplicate has been removed if I compare my previous report dating back to 14/10/2017 compared to 23/10/2017 and the account should automatically fall of my profile on the 28/10/2017 as it was opened on the 28/10/2017 and paid up in November 2015 and in my understanding the account should fall of on the 28/10/2017 as it has passed the 24 months mark.

In summary the below has been removed from profile. 1. enquiry done on the 21/10/2017 therefore my score should increase but in this case dropped. 2. duplicated account captured on my profile and duplicate has been removed but the other one is still reflecting and my credit score has dropped. 3. my credit score was 551 on the 14/10/2017 and today its 545 an in my understanding a credit score drops when an enquiry has been done or new account opened and in this case it’s been over 2 years I haven’t opened an account and over 1 year and 4 months enquiry has not been done on my profile.