MyFico Dropped 12 Points

[jologan79]

Hope someone can shed some light on this.

I had an inquire and my scores went up 1 point.

Then my cap one balance decrease $37% and I got a CLI but my score dropped 12 points.

What is the logic? My ULT is lower but my score dropped?

Does anyone know the formula for calculating CSs?

[Anonymous]

Jololgan is scratching his head and said-

"What is the logic?"

Heck who knows.   Credit bureaus would never make it on Vulcan.

[AzaleaB]

The causative factors that result in score increases and decreases are not that simple. Your score did not increase 1 point because you had an inquiry, something else caused the slight increase or maybe as one poster noted on another board, it could just be statistical noise. The score drop, again not for lowering your utility but for another reason.You would have to compare pre- and post- reports to try to isolate possible reasons. If you are doing the right things, your scores will eventually rebound and you will one of those "my score jumped 20 points for no reason" posters 😉.