@Bman70 wrote:
After looking over the CK report in detail, I decided not to buy a FICO report. There are no reasons for the score drop that would concern me: No new inquiries, no new accounts, no lates or derogs. I guess there is just some strange algorithm CK uses, that dropped TU by 22 points. EQ only dropped 2.
Significantly, I now have only 3 accounts out of 8 reporting balances, when before I had 4 of 8 with balances. Could that make CK drop the score? As far as FICO is concerned, I would have thought less cards reporting balances would raise it, so I won't worry.
Vantage appears to go on balance amount rather than revolving utilization. I haven't seen much fluctuation in my Vantage scores with the typical minimal balances I report (I just don't spend enough regularly to move the needle much) but VS is more sensitive to the amount of the balance than FICO is even if one has solid limits such as yourself.
