FICO is playing with me and trying to hurt my brain

[App_Addict]

I'm confused!  I went crazy yesterday and went apping crazy.  My EQ. was dinged 6 times yesterday!!  This morning I go to look at the damage and find that my score went up 31 points!!!!!!!!!!!!!  NOTHING ELSE CHANGED ON MY REPORT!! REPEAT:  NOTHING ELSE CHANGED!!  It is FICO messing with my brain, I know it is! I thought I was starting to understand them and then BAM, they showed me who was boss!!

[Anonymous]

Let me get this straight, you went on an apping binge and you were rewards with 31 points?

Wow.

[Anonymous]

That is awkward. Usually your score won't update the day after an incident. Maybe it was just a coincidence that it updated the day after you went apping. Were you approved for anything? That maybe be why if you got new credit and didn't have many cards before.

[Anonymous]

Even if he was approved he wouldn't get credit for the new accounts until they started reporting and typically (not always) that results in a slight dip in scores. This is very odd.

Did you go through every account to be sure dates, status, etc. didn't change?

[App_Addict]

The last SW Alert was on 7-26-08 prior to my binge.  So, that leaves only 4 days between alerts.  No new accounts have been added.  I know it's weird, and I don't understand it.  My util. nothing changed.  These were the first Hard Pulls I have had since 11-07, maybe that was enough that they figured that I was still alive!?  I don't know.

[App_Addict]

UPUPUP, yes I did, I had know other changes!  If there is a chance that something is going to be weird with credit and FICO, it will happen to me.  I will keep investigating to see if I'm missing something, but I don't see it.

[Anonymous]

some time the paasage time can do that,  accounts  that turns 3 years is consider "established" and enters a new bucket, inquires that have reach mid life.

[Anonymous]

---

rbbyrbsn wrote:

some time the paasage time can do that,  accounts  that turns 3 years is consider "established" and enters a new bucket, inquires that have reach mid life.

---

I was thinking the same thing. My most recent 30 day late was July 06. Today it officially turned 2 years old, so I finally paid for all 3 scores today. Aging plays a big role in scoring. The only report showing this particular late happens to claim it is 2 years and 1 month old, but I couldn't be sure and didn't want to spend the money last month on a chance.

[App_Addict]

Aging is the only thing that I could think of as well. 

[Anonymous]

---

robertkinder wrote:

UPUPUP, yes I did, I had know other changes!  If there is a chance that something is going to be weird with credit and FICO, it will happen to me.  I will keep investigating to see if I'm missing something, but I don't see it.

---

I have had some weird things happen to me too, but none on the positive side. I say we sit back quietly and let it be. Shhhh!!!