Thanks for the explanation. I don't think I could have gotten rebucketed, then. The age of my credit history hasn't changed, it's still back to August 1998, almost 10 years. One of the first things I looked for was whether any older entries had disappeared and shortened my history, and they haven't. And at $7,443, my total debt (isn't high enough to have caused a rebucketing, I wouldn't think. And that's everything, installment and revolving both, even without counting the recent approximately $3,400 reduction in revolving - in fact, come to think of it, I've paid off more revolving than the amount I just borrowed on the installment loan, by about $800 or $900.
MYFICO said I WOULD go over 720, to at least 728. I never expected to get to the high end, 668, but had hopes of maybe 740 or so, and thought the 728 was a certainty. But that was when the starting point was 658. With a starting point of only 602, I'm not sure I'll even make 700. Something is seriously wrong here.
Remember, there have been absolutely NO changes whatsoever in my Equifax, other than the addition of a single $2,500 installment loan from my credit union and a balance reduction from $81 to $29 in one of my revolving accounts.
I already had an Equifax for May 5, when I was at 658, and I pulled another one on May 10, when I was at 602. These were both pulled directly from Equifax, not through MYFICO. I compared the 2 reports, category by category and account by account. There are absolutely zero changes, even in Remarks sections, except the 1 new account and the 1 balance reduction.