@Anonymous wrote:
Until the 7th when my new 3B comes out I wont know if anything else changed, but according to alerts at least, this is the only change for equifax since Oct 7.
There are tons of changes that can happen to a credit report that do not result in an alert. For example, someone could have a major delinquency fall off of their report which could result in a 100 point gain, but that wouldn't necessarily trigger an alert. Still, that person's score would go up 100 points.
Again, your alert of "one of your retail card balances has changed" has nothing to do with your point gain. The alert does not say "one of your retail card balances has changed which has raised your score 61 points." From the language that you wrote your above post in, I can still tell that you believe that's the case. I can tell you with 100% certainty that's not possible.
It's crucial that you understand that score changes do not have to do anything with the alerts you receive.
In using my above example of a major delinquency falling off of a credit report and resulting in a 100 point gain (which likely wouldn't cause an alert) let's take a look at how this point gain could be incorrectly figured due to an alert:
1 - 3 days after the major delinquency comes off, a card balance is paid down to $0, resulting in an alert and a new score which is now 100 points higher. The person that receives this alert may wrongly assume that paying a card down to $0 results in a 100 point gain. Obviously, it does not.
2/3/4 - 3 days after the major delinquency comes off, the person applies for a new credit card and receives an alert due to the inquiry. They incorrectly think that the inquiry resulted in a major point gain. Again, an impossibility. The person could receive a CLI, resulting in an alert, then they think that their new greater credit limit caused their score to jump up. Finally, a new account that was opened a month prior could report to the bureaus and cause an alert due to the new tradeline appearing. Surely that wouldn't result in a 100 point gain, but someone could wrongly assume that if they think the alert and the score change are directly related.
