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An example why an alert may not be the cause of score change

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NRB525
Super Contributor

An example why an alert may not be the cause of score change

I have a new AAdvantage card that just reported this week, with a significant balance, and thought I'd share the score change.

 

TU reflected this change in all balances on 16 February. No score change, but it's definitely in the All Bankcards balance on the 16th. So the information was available to the bureaus on the 16th.

 

EQ also reflects the $2,100 new balance, but shows it on 18 February, and updated the score effective 18 February. All other card reports leading up to this are decreases, so the increase on this card results in a -4 score change on EQ.

 

2016 Feb EQ Changes.JPG

 

EX on the other hand, reflected a score change of -7 on the 16th, tied in with alerts that day where card balances only decreased.

Then EX updated today, 19 Feb, with an alert dated 18 February, showing the new $2,100 balance. And no score change.

 

Yet another reason to look skeptically at the link between one alert and one score change.

 

2016 Feb EX Changes.JPG

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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