topic Re: Score jumped up from high limit AU card, why? in Understanding FICO® Scoring

Score jumped up from high limit AU card, why?

Anonymous — Thu, 11 Jun 2015 13:40:22 GMT

My wife added me to her 10k nfcu card without telling me. Would have been nice, except it's at about 76%.

Transunion fico went up 13 points, which I thought was weird because my util was at about 10% before that card.

I didn't want that balance on my report so I disputed it with transunion. Two days later it was removed, and myfico dropped down that exact 13 points I had gained.

What effect was that card having on my score? My highest limit is only 1500

Re: Score jumped up from high limit AU card, why?

Anonymous — Thu, 11 Jun 2015 13:58:22 GMT

Forgot to add that the card is only 1 month old so it also lowered my aaoa when i was added

Re: Score jumped up from high limit AU card, why?

Revelate — Thu, 11 Jun 2015 15:55:54 GMT

Hrm where was the score from and how many tradelines (revolvers specifically) do you have outside of the AU?

Re: Score jumped up from high limit AU card, why?

Anonymous — Thu, 11 Jun 2015 20:50:55 GMT

myfico 3b monitoring. i have 19 revolving accounts of my own

Transunion score was 620. Up to 633 when AU reported, fell back to 620 when it disputed off.

Re: Score jumped up from high limit AU card, why?

Revelate — Thu, 11 Jun 2015 23:57:34 GMT

Hrm, only thing I can think of is it made a material difference to your revolving utilization.

I'd test it next month by reporting like 1% and seeing if it made a difference. Otherwise, limits historically have been irrelevant to FICO scoring.