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16 updates in 2 weeks but no credit change?

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Reaper702
New Visitor

16 updates in 2 weeks but no credit change?

So I've noticed this month that I've had 16 updates on positive changes to my credit and still no change in credit score. Is there a glitch or a reason why it's not updating? I also notice that when I have ONE change in the negative direction, I get an immediate ding though! Lol

Message 1 of 5
4 REPLIES 4
citymunky
Established Contributor

Re: 16 updates in 2 weeks but no credit change?

Where are you getting this update from?

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 2 of 5
Reaper702
New Visitor

Re: 16 updates in 2 weeks but no credit change?

From MyFICO

Message 3 of 5
GreatLife
Frequent Contributor

Re: 16 updates in 2 weeks but no credit change?

I've had several recent alerts for reported balance decreases, but the score hasn't changed since 3/27 when it dropped due to 1 reported balance increase. My scores at every other source have been changing.

Message 4 of 5
Thomas_Thumb
Senior Contributor

Re: 16 updates in 2 weeks but no credit change?

@Reaper702 

Thresholds (interval bands) exist for utilization. If paydowns don't result in changing to a lower risk aggregate utilization tier individual card UT band, then score often remains the same. Total aggregate balance in $ can have a minor influence on score but, banding for that attribute is undefined. The intervals for $ appear to be quite broad.

 

Sometimes score is impacted by # of cards reporting a balance. More cards reporting a balance can drop score even if aggregate UT decreases assuming UT stays in the same interval.

 

Of course, there could be an issue with MyFICO not refreshing your score as suggested by GreatLife. Not all notifications are trigger events for pulling an updated score.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
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