Regular Contributor
Posts: 176
Registered: ‎03-20-2013
HPs first 6 months, rounded to beginning of month?
[ Edited ]

I had like 10 HPs on April 15th. So by October 15, the heavy weight of the HPs should drop off.


However, according to SW, my FICO went from 661 to 706 on October 5th. There is no other reason for the score jump besides the HP's aging 6 months. So did FICO just rounded it to the beginning of the month? My score is still 706 today. No alerts since the 5th.


Edit to add: Alert was for: SW says "reason for increased score may be due to balance decrease on one or more accounts" . I had one account decease by $20 so i know that wasnt it (given my thick profile). I learned not to listen to the alert reasons because I know it can be misleading.