Hi, gumshoe --has either your average credit age or overall credit history age changed any, as in increased one year? It almost sound as though you had moved into a new score bucket. We are all grouped into "buckets" (scorepools, scorecards, etc.) with others with similar characteristics, such as how long we've had credit, whether we've had a bankruptcy, whether we had many accounts on our reports or few, and so forth. When your profile changes, and you move into a score bucket, your scores may temporarily drop, because you're being measured against a new set of credit peers.
This happened to me in October and I had what felt like a pretty brutal score drop, after I added on to my husband's 18-year-old Discover card. I was not a happy camper, but I have since regained the lost points and moved beyond where I was. I was able to tell, because I got a scorewatch alert.
Since nothing else has changed on your reports that you can see, this is one rather obscure possiblity. The easy way to check for age change would be to look at two of your reports, the before and after ones, and look on screen 2 where it tells you your positives and negatives. If account age is addressed, it will show your average age and age of oldest account. If either of those figures changed, that might be it. (You can also find the overall credit age on the Credit-at-a-Glance screen.)
That's kind of a wild stab, but so far, no one has found any definite signs that FICO 08 is now in place. I just pulled an EQ score the other day, and my AU account is still being counted for scoring.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007