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Well, yes. There's some differences potentially in how the three bureaus under FICO 8 handle number of cards with balances but it's never been nailed down certainly here anyway, and for all I know it's just some wonky thing in the monitoring solution though I find that a bit suspect.
I guess needs to be tested if possible since we have 2 threads running on basically the same possible issue as of today, but something is weird.
In my totally unscientific and based-on-a-personal-experience only opinion, EX seems to like you to use your cards and TU and EQ do not. I saw a 22 point jump in EX when a higher balance posted. I know it could be any number of mysterious algorithms based on sun spots and the wild naked mole rat population, but as I said, unscientific
@kberly69 wrote:In my totally unscientific and based-on-a-personal-experience only opinion, EX seems to like you to use your cards and TU and EQ do not. I saw a 22 point jump in EX when a higher balance posted. I know it could be any number of mysterious algorithms based on sun spots and the wild naked mole rat population, but as I said, unscientific
Hmmm. I'm going to watch that, then. I expect my scores, based on past experience, to update somewhere around June 8 - 12, so that's when my new Overstock card should be added. I put a $115 purchase on it over the weekend, and right now am awaiting the welcome letter/package from Comenity so that I can get the full account #, set up online account and first payment, etc. I expect the impact of $4,000 extra revolving credit and slash in overall utilization to offset whatever dings happen from the change to AAoA and whatever spend has been on my cards this past month, but we'll see.