This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are XXXX TransUnion and XXXX Specifically ; XXXX XXXX Provides me My XXXX score and an explanation for any change as follows ; Your XXXX ( XXXX ) Credit Score is based on your TransUnion credit report using the XXXX ( XXXX ) Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by XXXX XXXX XXXX. The Credit Card offers a free XXXX score updated monthly. XXXX, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the XXXX Card explanation for change ( decrease in score ). 
Upon discussion with XXXX, they directed me to TransUnion, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame TransUnion who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, XXXX blames TransUnion, who blames XXXX XXXX ... who blames TransUnion. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either TransUnion '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their XXXX score, which in turn can have a significant negative impact on future borrowing costs 
