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This is getting ridiculous - very weird TU score behavior

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I-think-I-can
Valued Contributor

Re: This is getting ridiculous - very weird TU score behavior

Finally figured out how to add an image Smiley Happy

scores.JPG

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 21 of 29
Anonymous
Not applicable

Re: This is getting ridiculous - very weird TU score behavior

And again. hmm.gif

 

Message 22 of 29
Anonymous
Not applicable

Re: This is getting ridiculous - very weird TU score behavior

Message 23 of 29
I-think-I-can
Valued Contributor

Re: This is getting ridiculous - very weird TU score behavior

I broke down and purchased another report and sure enough my score is actually 699...not sure when the next 34 pt drop will occur..sigh.

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 24 of 29
I-think-I-can
Valued Contributor

Re: This is getting ridiculous - very weird TU score behavior

Here we go again...I am really getting tired of this

 

tu mess may 6.JPG

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 25 of 29
FiveOhFour
Contributor

Re: This is getting ridiculous - very weird TU score behavior

Does it show a balance change as being the reason? I've seen similar behavior but not to same degree, likely because i only have two accounts and use them for a small purchase once a month so theres very few triggers to update my score/info, but i've seen similar behavior and  not only with Transunion, with Equifax as well. All the while my actual transunion score via their service didnt change at all but that doesnt matter much since the fico score is calculated differently i guess. 

PERFECT CREDIT SCORE FINALLY
2020: FICO Score 9 850/850 (Equifax) (I still only have ~4 cards)
2018 FICO: EQ: 820 TU: 807 EX: 806
First Credit Card in 2016 (2 secured cards)
Message 26 of 29
I-think-I-can
Valued Contributor

Re: This is getting ridiculous - very weird TU score behavior


@FiveOhFour wrote:

Does it show a balance change as being the reason? I've seen similar behavior but not to same degree, likely because i only have two accounts and use them for a small purchase once a month so theres very few triggers to update my score/info, but i've seen similar behavior and  not only with Transunion, with Equifax as well. All the while my actual transunion score via their service didnt change at all but that doesnt matter much since the fico score is calculated differently i guess. 


Hi there, no, the spikes only say, "credit score has changed" or something along that line.  It NEVER comes with a qualifying event like a balance change, inquiry, new account..anything like that.  It just drops out of the blue and then when I purchase another report it shows the higher number again to match the score I get monthly from Discover.   It is really frustrating that's for sure!  It's like Transunion is issuing two different scores on me every week or so with no actual change to my creditreport.    Smiley Frustrated

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 27 of 29
FiveOhFour
Contributor

Re: This is getting ridiculous - very weird TU score behavior

I don't understand why the score even updates without an alert triggering event, given they've spent so much time explaining that scores won't change with out them. Weird.
PERFECT CREDIT SCORE FINALLY
2020: FICO Score 9 850/850 (Equifax) (I still only have ~4 cards)
2018 FICO: EQ: 820 TU: 807 EX: 806
First Credit Card in 2016 (2 secured cards)
Message 28 of 29
I-think-I-can
Valued Contributor

Re: This is getting ridiculous - very weird TU score behavior

And here we go again!  Transunion is really getting on my nerves!

 

score drop may 7.JPG

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board
Message 29 of 29
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