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"There's been a change in your FICO® Score,..."

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Turbobuick
Established Contributor

Re: "There's been a change in your FICO® Score,..."


@NRB525 wrote:

Ok, so your view to your FICO scores are monthly, correct? You aren't getting alerts every few days about what is changing through MyFICO. If so, anything in the last month or more could be the major influence.

 

If scores have been rising, they may be at a short term plateau, and noise up and down is a possibility.

 

Edit: Because of the month gap, you need to list out the sequence of the last two months: Statement dates, January, Febuary, March, which are likely sent to the bureaus a few days later, timing of the new charges, which Barclays statement they showed up on, amounts on those Barclays statements, and what day exactly the BT out of your Barclays card showed up online for your Barclays account, and whether it showed up (and when) on the next Barclays printed statement. Forensic FICO analysis.


LOL!  You take your job seriously. There's no need to get forensic or page the blood spatter specialists. I'll live. I was thinking along the lines of "you did a transfer, they don't like it even though you lost debt."  Thanks anyway.  Smiley Happy

Message 11 of 12
NRB525
Super Contributor

Re: "There's been a change in your FICO® Score,..."

Ok, well, if you want to know the reasons for the score change, lining up all the events is the first step.

From there, it's easy Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 12 of 12
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