@Anonymous wrote:
I don’t think I follow, trigger?
@Anonymous wrote:
With these triggers, if it's not anything negative being reported, why is there such a negative impact on my score? Is there anyway for me to get any of these pts back?
Unfortunately would need to be a detailed analysis of the report changes before and after and even then we might not be able to pick it out.
In broad strokes I think people here and elsewhere have a pretty good handle on the algorithm but there's a bunch of subtlety which is hard to tease out. The trigger comment was right in my opinion, for reference I took a couple of mortgage inquiries and had an interesting change in the middle of it with regards to an installment tradeline (which the monitoring doesn't catch at all, that I consider really lame personally) and I jumped many points for the inquiry report.
It's not a perfect solution, monitoring today just doesn't have the accuracy for real analysis unfortunately with how many variables there are in the calculation. It's great for the scores, not so good on reasons the score changed.
