topic Re: Ex score is trending up in Understanding FICO® Scoring

Ex score is trending up

Howaboutthat — Thu, 11 Mar 2021 16:11:06 GMT

My Ex fico score is trending up but Eq and TU reamain static. They generally report the same things in the My Fico App. The biggest swing reported for example is

they all reported a balance decrease of 672 from a BT to Penfed. Ex goes up Eq and Tu stay the same. Even minor adjustments move Ex a little bit.

They are not huge jumps either, incremental at best.

Any ideas.

Re: Ex score is trending up

Mr_Mojo_Risin — Thu, 11 Mar 2021 19:08:57 GMT

When you say they "generally" report the same, it kind of sounds like there could be minor differences.

The CRA's algorithms are tweaked a little bit differently from each other.

Re: Ex score is trending up

Anonymous — Fri, 12 Mar 2021 03:38:29 GMT

A BT can be a bit tricky as when the balance moves over there can be a time when both accounts show a balance. If this is the case on one or two bureaus but not the other(s) it can result in data not being the same across the bureaus, which can in turn create different score changes. A bit more time passing can allow the data to square up across all 3B.

Re: Ex score is trending up

Howaboutthat — Tue, 23 Mar 2021 05:54:12 GMT

Thanks to you both.