I finally left a small amount, about 6%, on my CC bill until it posted rather than paying it in full before it posts.
This gave me a nice bump in score from Equifax (+15) and Experian (+40) but only 1 point on Transunion?
I started my journey back from chapter 13 in June of this year and Transunion started as my lowest score so I thought it would grow the fastest but this is the second month in a row that my score only raised 1 point from paying bills. I noticed another MyFico alert at the beginning of this month from TransUnion that jumped my score up 32 points but it said it was due to an inquiry.
Could the 2 be getting mixed up somehow? I don't see how since the bump and the credit lines post at different days of the month and I received alerts about the payments shortly after the payments posted. Also, I am trying to re-fi and the inquiry bump happened shortly after talking to the bank...
I have 2 CCs and an auto loan and they are all showing up on all 3 credit bureaus.
Is it a TransUnion thing or part of the black hole unknown Fico algorithm that I will never know...?
Brian
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Sounds like the alert was for the inquiry but there was ALSO a score change that came with the same alert. Not always is the reason for the alert the reason for the score change 