I will never understand the credit world in all of its complexity.

[Anonymous]

Equifax raised my score 11 points last week (reason given by MYFICO): balance increase ($83), then lowered my score this week (reason given by MYFICO): balance decrease ($38).  This is on Macy's which I always have less than %5 utilization.  Then AMEX  would not approve a CLI for my Costco Amex last week, then this week I was pre-appproved, then approved for AMEX Everyday card.   My head is about to explode at higher CLI than my Cstco card.

[Anonymous]

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@Anonymous wrote:

Equifax raised my score 11 points last week (reason given by MYFICO): balance increase ($83), then lowered my score this week (reason given by MYFICO): balance decrease ($38).  This is on Macy's which I always have less than %5 utilization.  Then AMEX  would not approve a CLI for my Costco Amex last week, then this week I was pre-appproved, then approved for AMEX Everyday card.   My head is about to explode at higher CLI than my Cstco card.

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...apologize, I meant to write ...at higher credit limit than my Costco card.  (Thank you)

[OmarGB9]

The balance increase wouldn't raise your score lol. Something else triggered that score increase but MyFICO combined that with the balance increase alert and made it seem like a point increase due to balance increase.

[surehit]

Ya, the MyFico alerts seem to be fairly innacurate sometimes. My total balance dropped by $3,000 from $4,000/$100k to $1,000/$100k and they said my scores dropped about 25 points each because of it *facepalm*

[kdm31091]

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@surehit wrote:

Ya, the MyFico alerts seem to be fairly innacurate sometimes. My total balance dropped by $3,000 from $4,000/$100k to $1,000/$100k and they said my scores dropped about 25 points each because of it *facepalm*

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Yeah they aren't worth the money.

[Anonymous]

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@OmarGB9 wrote:
The balance increase wouldn't raise your score lol. Something else triggered that score increase but MyFICO combined that with the balance increase alert and made it seem like a point increase due to balance increase.

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This!   It's really pretty simple and is even explained in the product section. (http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/FICO-3-Bureau-Credit-Monitoring-Frequently-a... first item)

Basically, your scores go up and down due to all the usual factors, but you (usually) don't see all of this movement.    MyFico alerts you when a trigger event occurs, and there are different rules for each bureau (with EX having larger trigger thresholds).   So your score might change for a number of reasons, but you don't get told until a trigger occurs, which people often think is *the* cause of the change, but it isn't