Well, that is the tricky thing about trying to figure out score changes on FAKO's like TC. Since no one has a clue what their score model looks like, there's no practical way to figure out what their score changes mean. We just don't know enough about the model to do any kind of useful reverse engineering (which would be a fun intellectual challenge, but ultimately a huge waste of time.)
There is a decent amount of knowledge as to what goes into a Vantage score (which TC is not), but the rest of the FAKO's are true black boxes, in the classic math/ science model. Data goes in, something mysterious and magical happens inside the black box, and SPROING! a score pops out.
Again, my TC FAKO's have gone up and down while my FICO's never budged, and my FICO's have changed (usually upward, thank goodness) without a twitch from TC, even though the changes on the reports that were responsible for the FICO changes are right there for all to see.
FICO's and FAKO's do not reliably and consistently track one another.
Congrats on your FICO's, which seem to be moving along nicely! And I'm glad that they're higher than the FAKO's. It's always so demoralizing when it's the other way around.
There is a decent amount of knowledge as to what goes into a Vantage score (which TC is not), but the rest of the FAKO's are true black boxes, in the classic math/ science model. Data goes in, something mysterious and magical happens inside the black box, and SPROING! a score pops out.
Again, my TC FAKO's have gone up and down while my FICO's never budged, and my FICO's have changed (usually upward, thank goodness) without a twitch from TC, even though the changes on the reports that were responsible for the FICO changes are right there for all to see.
FICO's and FAKO's do not reliably and consistently track one another.
Congrats on your FICO's, which seem to be moving along nicely! And I'm glad that they're higher than the FAKO's. It's always so demoralizing when it's the other way around.