topic Re: No changes in TU report, but changes in TU scores... in Understanding FICO® Scoring

No changes in TU report, but changes in TU scores...

Anonymous — Fri, 10 Jul 2015 20:04:08 GMT

So I took a drop across the board on TU today.

FICO 08 743->739

FICO 04 713->711

FICO AUTO 8 764->758

FICO AUTO 4 733->731

FICO BANKCARD 8 758->754

FICO BANKCARD 4 719->717

Not a big drop, but a psychological drop as my TU dropped below 740 and the pretty green circle turned to yellow.

I am not worried about a couple of points, but I wish I could see the causality.

I'm confused as there is absolutely no change at all in my report since my 3B pull on 6/28.

I pulled TU today to see what they heck might be going on and no change in anything in the report.

Under FICO Score Ingredients "Amount of New Credit" went from Green "Very Good" to Yellow "Good"

I have gone over the reports with a fine tooth comb and there is no difference at all in the reports.

Any idea what may have created this change?

Is it possible that inquiries don't hit for 30 days? That's what I am starting to think from reading about "Amount of New Credit" Ingredient.

Went from 2 -> 3 inquiries on 6/6/15.

I have a 6/6/15 HP (that I was told would be an SP).

Re: No changes in TU report, but changes in TU scores...

Revelate — Sat, 11 Jul 2015 05:12:43 GMT

@Anonymous wrote:
So I took a drop across the board on TU today.
FICO 08                     743->739
FICO 04                     713->711
FICO AUTO 8            764->758
FICO AUTO 4            733->731
FICO BANKCARD 8 758->754
FICO BANKCARD 4 719->717
Not a big drop, but a psychological drop as my TU dropped below 740 and the pretty green circle turned to yellow.
I am not worried about a couple of points, but I wish I could see the causality.
I'm confused as there is absolutely no change at all in my report since my 3B pull on 6/28.
I pulled TU today to see what they heck might be going on and no change in anything in the report.
Under FICO Score Ingredients "Amount of New Credit" went from Green "Very Good" to Yellow "Good"
I have gone over the reports with a fine tooth comb and there is no difference at all in the reports.
Any idea what may have created this change?

Is it possible that inquiries don't hit for 30 days? That's what I am starting to think from reading about "Amount of New Credit" Ingredient.
Went from 2 -> 3 inquiries on 6/6/15.
I have a 6/6/15 HP (that I was told would be an SP).

Depends how it's coded; there are some grace periods for different types of inquiries mostly related to rate shopping.

In my case I recently took a drop 30 days after starting the mortgage process... fortunately didn't kick my mid score down a tier.

Re: No changes in TU report, but changes in TU scores...

NRB525 — Sat, 11 Jul 2015 21:24:23 GMT

@Anonymous wrote:
So I took a drop across the board on TU today.
FICO 08                     743->739
FICO 04                     713->711
FICO AUTO 8            764->758
FICO AUTO 4            733->731
FICO BANKCARD 8 758->754
FICO BANKCARD 4 719->717
Not a big drop, but a psychological drop as my TU dropped below 740 and the pretty green circle turned to yellow.
I am not worried about a couple of points, but I wish I could see the causality.
I'm confused as there is absolutely no change at all in my report since my 3B pull on 6/28.
I pulled TU today to see what they heck might be going on and no change in anything in the report.
Under FICO Score Ingredients "Amount of New Credit" went from Green "Very Good" to Yellow "Good"
I have gone over the reports with a fine tooth comb and there is no difference at all in the reports.
Any idea what may have created this change?

Is it possible that inquiries don't hit for 30 days? That's what I am starting to think from reading about "Amount of New Credit" Ingredient.
Went from 2 -> 3 inquiries on 6/6/15.
I have a 6/6/15 HP (that I was told would be an SP).

What were your TU scores on June 10? on May 10? on April 10?

Re: No changes in TU report, but changes in TU scores...

Anonymous — Sat, 11 Jul 2015 22:04:14 GMT

Didn't pull reports, but from the graph for TU 08

about the following dates

April 10 737

April 21 utilization taken to 8% from 13% score up to 743

May 10 743

June 6 HP inquiry coded "miscellaneous and public reporting"

June 10 743

June 28 743

Re: No changes in TU report, but changes in TU scores...

NRB525 — Sat, 11 Jul 2015 22:24:37 GMT

These score instances are from MyFICO, or from TransUnion directly?

Re: No changes in TU report, but changes in TU scores...

Anonymous — Sat, 11 Jul 2015 22:55:34 GMT

myFICO... They are TU08 scores as noted above.

Re: No changes in TU report, but changes in TU scores...

NRB525 — Sat, 11 Jul 2015 23:13:55 GMT

Did that INQ lead to a card being added to your reporting?

How many cards have you got, and what kind of aging on those?

Re: No changes in TU report, but changes in TU scores...

Anonymous — Sat, 11 Jul 2015 23:26:37 GMT

No, it wasn't for a card, should have been a soft but transunion/TURSS won't budge on fixing it as puller made a mistake..

Only 3 cards all 8-9 years old

oldest account 18 years, AAoA 8 years

Re: No changes in TU report, but changes in TU scores...

NRB525 — Sun, 12 Jul 2015 01:38:12 GMT

@Anonymous wrote:
No, it wasn't for a card, should have been a soft but transunion/TURSS won't budge on fixing it as puller made a mistake..
Only 3 cards all 8-9 years old
oldest account 18 years, AAoA 8 years

It is wierd. I wonder if Revelate's comment applies. Since this may have been coded as a non-creditcard INQ, the score hit waits 30 days to allow all the related potential similarly non-CC coded INQ to accumulate, whether they do or not, and then a few days ago "Times Up!" and the score hit results.

Other than that, it's gremlins, and no one likes gremlins.

Re: No changes in TU report, but changes in TU scores...

Anonymous — Sun, 12 Jul 2015 02:01:26 GMT

Thanks, it's good to know I'm not the only one that finds it strange.

I have an inquiry that will fall off first week in September, if the 4 points return, I think we'll know it was the inquiry.

Re: No changes in TU report, but changes in TU scores...

Revelate — Sun, 12 Jul 2015 03:15:03 GMT

@NRB525 wrote:
@Anonymous wrote:
No, it wasn't for a card, should have been a soft but transunion/TURSS won't budge on fixing it as puller made a mistake..
Only 3 cards all 8-9 years old
oldest account 18 years, AAoA 8 years
It is wierd. I wonder if Revelate's comment applies. Since this may have been coded as a non-creditcard INQ, the score hit waits 30 days to allow all the related potential similarly non-CC coded INQ to accumulate, whether they do or not, and then a few days ago "Times Up!" and the score hit results.

Other than that, it's gremlins, and no one likes gremlins.

Some of my mortgage inquiries are coded wierdly on the report including at least one as miscellaneous according to MF report; all clearly from mortgage providers so I'm not really sure how it's being tracked. I haven't looked at my base reports as the source of truth as MF could be misreporting it, but I do know my scores behaved precisely as expected for mortgage inquiries though at least with regard to the 30 day grace period.