@Anonymous wrote:
Only 3 factors go into a FICO score:
1 - The scoring model (FICO 8, VS 3.0, etc)
2 - The bureau data (EX, TU, EQ)
3 - The time at which #1 and #2 above were used
In the OPs case here, the scoring model (FICO 8) and the bureau data (EX) are a constant, meaning the only possible variable to consider is the time at which the scores were generated. A variance between the two scores means that without question the data used when 1 score was generated was not the same as the data used when the other score was generated. Simply put, something changed on the OPs CR between when the first score was generated and the second was generated. If I had to guess, I'd say it has to do with reported balances. A 22 point drop is completely possible and expected for example if someone goes from AZEO to AZ (reported).
BBS! how goes it! you are spot on and if I knew that ax had reasons under the date scale if one pages down I would have noticed the entry `Lack of recent bank/national revolving information' I feel like a moron not noticing this and wasting a post on the topic. I can count the # of times that I have hit the ax fico button, amateur mistake...the few times I have used it it matched my ex perfectly. that aside the only score I care about is the ex and ax will either fix it or they won't, I dont really care. they dont pull the data from ex, its sent to them so it would seem to be a glitch in their back-end. I have no ax plans in my future so I am good either way. have a good tday, dont stuff out too much
