02-04-2014 08:41 AM
This is interesting
My FICO score TU-08 progressively increased few months with utilization going up
Sept 13 - 701
Oct 13 - 719
Nov 13 - 723
Dec 13 - 723
Mind you that nothing changed on the account for the credit report for those 4 months but utilization which went up slightly to about 50 percent in December
now in January - one more account reported a small balance ( only change)
and FICO went down to 707
I paid off the debit to 1% utilization middle of January , so it will be interesting to see how February scores
02-04-2014 08:51 AM
I don't know what happened here.
However, it's worth noting that your account is changing on a daily basis, even if nothing seems to appear different.
For example, on an average day, your AAoA goes up slightly in mathematical terms, along with the age of your oldest account, and sometimes these things can cause a change in score.
There is also the rebucketing angle, where some change puts you into a different bucket.
02-04-2014 09:33 AM
actually i did not think of that
but its possible
thanks for your input
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