topic Re: Crazy score variation in Understanding FICO® Scoring

Crazy score variation

dekelley1 — Wed, 15 Feb 2023 15:29:16 GMT

This seems to be getting out of control!

Re: Crazy score variation

DONZI — Wed, 15 Feb 2023 16:32:08 GMT

Do you happen to use "boost" with EX?

Re: Crazy score variation

dekelley1 — Wed, 15 Feb 2023 16:56:43 GMT

No, I tried, but none of my bills took. That was about 3yrs ago though.

Re: Crazy score variation

JoeRockhead — Wed, 15 Feb 2023 16:58:18 GMT

I have something similar going on with my scores right now, only for me it's TU that's out in front leading EX by 24 points with EQ bringing up the rear. I know the reason my TU jumped was they deleted an account that had a 30 day late on it from 6.5 years ago. EX still has the account listed but removed the 30 day late and of course EQ still has the account with the 30 day late.... maybe you had something fall off EX that is still on the other two. ¯\_(ツ)_/¯

Re: Crazy score variation

dekelley1 — Wed, 15 Feb 2023 17:36:11 GMT

I'm going to go through my report today. What sucks about my fico is many notifications of changes, don't list the account that actually changed or dropped.

Re: Crazy score variation

JoeRockhead — Wed, 15 Feb 2023 17:44:08 GMT

@dekelley1 wrote:
I'm going to go through my report today. What sucks about my fico is many notifications of changes, don't list the account that actually changed or dropped.

@dekelley1 I would go to https://www.annualcreditreport.com/index.action and pull your 3 reports there and compare them, they are still offering free weekly reports due to the pandemic... you'll get a clearer picture of what's on there as of the day you pull them.

Re: Crazy score variation

dekelley1 — Wed, 15 Feb 2023 17:45:30 GMT

Thanks! Will do

Re: Crazy score variation

DONZI — Wed, 15 Feb 2023 17:48:14 GMT

..and the alerts that show a score change may list something irrelevant to score changes or other odd things.

Re: Crazy score variation

Thomas_Thumb — Wed, 15 Feb 2023 18:04:33 GMT

A variety of events can trigger a score pull. Not all events impact score. Also, often times an alert event that triggers a pull is not the cause of an observed score change. I tend to ignore score changes of 5 points or less as noise. Shifts of 10 or more points are significant and worth investigating - IMO.

Re: Crazy score variation

AzCreditGuy — Wed, 15 Feb 2023 22:48:23 GMT

Seems about right in my OP, in my journey the past 8 years of getting my credit back in check.

It seemed 8 years ago My TU was the highest EQ next and EXP lowest

It changed to EQ and EXP being the highest and TU being the lowest

Now its EXP 797 EQ 792 TU 791