confused....

[afbar1114]

Last month i had 4 cards post a $0 bal this month i let a bal post on each of about 25%. You would think my scores would drop. posted utl went from about 19% to about 29%. Score went up about 20 points then dropped 7 once a dispute came back then another 6 once one more card posted. Why did my score go up when utl go up?

[webhopper]

When they all reported a 0 balance at the same time, the Fico scoring formula didn't give you credt for even having them? 

[afbar1114]

I have no idea.. score is now 644 but because of utl. Its still from last month though

[webhopper]

did you have any inqs age past one year or did you have any baddies age past either the 5 yr mark or the 24 month mark/?

[afbar1114]

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@webhopper wrote:

did you have any inqs age past one year or did you have any baddies age past either the 5 yr mark or the 24 month mark/?

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nope nonething from the above

[Anonymous]

AAoA benchmark?

[afbar1114]

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@Anonymous wrote:

AAoA benchmark?

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nope i added a new card and it went up lol 

[webhopper]

LOL, well maybe you got a boost from being rebucketed since you have more reporting Tradelines...    Fico puts you in a bucket based on how many tradelines you have open, comparing your scores to similar people in your bucket. If you added a new tradeline, you were probably put in a bucket that has to potential to bring your score higher than your original bucket

[RobertEG]

You mentioned that a "dispute came back."

Is there still a pending dispute flag in your CR?  If so, that will throw your entire scoring into disarray until removed.....