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Utilization lower, Quizzle score lower too?!

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jbishop1001
Frequent Contributor

Utilization lower, Quizzle score lower too?!

My Quizzle Pro just updated - and I was expecting to see an increase after my CC balance/utilization was lower. But my Quizzle score actually dropped 3 points. No other changes! What the heck! I went from 18% to 16%

 

I don't understand! Any insight?

Starting Fico 8 Score: 571 EQ - 574 EX 605 TU Current Fico 8: 695 EQ 677 EX 709 TU
Message 1 of 6
5 REPLIES 5
xaiduz114
Regular Contributor

Re: Utilization lower, Quizzle score lower too?!

Quizzle is an EQ FAKO. You have scorewatch, right? As long as you change the alert every time your score changes, I think it updates. I'd wait to see if there is an alert or just look at your scorewatch, because that is an actual FICO score.

Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014
Current Score: EQ 475 | EX 582 | TU 589
Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey!
Collections (MED): DCS Financial (4) | Columbia Collectors (1) |
Dynamic Collectors, Inc (2) | Professional Credit Services (2) |
CMRE Financial Services (1) | Total: 10
Charge-offs: IQCU (1)
Cards I'm aiming to get:
Unitus Community CU SecuredBofA Secured
Message 2 of 6
jbishop1001
Frequent Contributor

Re: Utilization lower, Quizzle score lower too?!

I understand.

 

However.

 

My question is why would that change my Quizzle score as a negative factor. 

Starting Fico 8 Score: 571 EQ - 574 EX 605 TU Current Fico 8: 695 EQ 677 EX 709 TU
Message 3 of 6
xaiduz114
Regular Contributor

Re: Utilization lower, Quizzle score lower too?!

I'm not sure, but did you check the rest of your report? It could have been something else was updated. I couldn't tell you 100% though. Smiley Sad

Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014
Current Score: EQ 475 | EX 582 | TU 589
Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey!
Collections (MED): DCS Financial (4) | Columbia Collectors (1) |
Dynamic Collectors, Inc (2) | Professional Credit Services (2) |
CMRE Financial Services (1) | Total: 10
Charge-offs: IQCU (1)
Cards I'm aiming to get:
Unitus Community CU SecuredBofA Secured
Message 4 of 6
Shogun
Moderator Emeritus

Re: Utilization lower, Quizzle score lower too?!

Hard to figure out Quizzle's reasoning for scoring modules.  The decrease in util would not make your FICO score go lower.  As said, could be something else, or just could be some math thing with Quizzle.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 6
eric19k
Established Contributor

Re: Utilization lower, Quizzle score lower too?!

I would not trust Quizzle. I pulled my score and it is 637 but it can't be accurate. Mine is Ex 560 EQ 540 TU 520 (lender).  My Fico shows 466

 

But I know for sure my score is low. 

TU Scores:
May 2014- 466
July 2014- 537
September 2014- 602
Goal Scores- 720 by March 2014
Message 6 of 6
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