Discover FICO Scores

[Scupra]

Good catch Jamie! That was the only thing I could think of as well with a monthly change like that

[rockup55]

 | Credit ScorecardDiscover Card:

Sep '17	783 Very Good	See More
Aug '17	765 Very Good	See More
Jul '17	783 Very Good	See More
Jun '17	783 Very Good	See More
May '17	784 Very Good	See More
Apr '17	765 Very Good	See More
As you can see from the above, Sept results just posted without me making any changes

[rockup55]

March 17 results was also 784 so I guess I still dont really understand why I am getting the dip to 765 every few months and then it pops right back up to 783+.  This is from consistently reporting a small balance on 80% of my cards including the authorize user cards of my spouse.

[Thomas_Thumb]

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rockup55 wrote:

March 17 results was also 784 so I guess I still dont really understand why I am getting the dip to 765 every few months and then it pops right back up to 783+.  This is from consistently reporting a small balance on 80% of my cards including the authorize user cards of my spouse.

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Hard to say. Perhaps the scores dip when more of your cards (fewer AU cards) report a balance.

I would advise reporting balances on less than 50% of your cards (exclude AU cards from the %) and also less than 50% of cards in total (include AU cards in calculation) as a general rule if you want higher scores. However, if you are content with your scores, no need to impose such constraints.

[jamie123]

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@rockup55 wrote:

March 17 results was also 784 so I guess I still dont really understand why I am getting the dip to 765 every few months and then it pops right back up to 783+.  This is from consistently reporting a small balance on 80% of my cards including the authorize user cards of my spouse.

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Perhaps once every three months the reporting times line up where an additional card or two reports a balance that wasn't there before?

Okay...Listen up...

It has been proven time and time again on these forums that if you want to groom your scores to get them as high as they can get, you need to use the AZEO technique. The AZEO technique stands for ALL REPORT ZERO EXCEPT ONE. You want one card to report a small balance of less than 9% of its credit line (Could be as little as $3, just make sure it is less than 9%.) and all other cards to report $0. You need one card to report the small balance. If all cards report a balance of $0 you will actually lose points.

With your scores running consistently around 785 I bet you could break into the 800s by trying the AZEO technique. Yes, doing the AZEO technique with your scores could easily gain you at least 15 points. You should try it, you have nothing to lose and will probably be pleasantly surprised!

[rockup55]

Thanks, I will definitely try that approach.  I don't have an issue with the 765 or 783 but I will try your suggestion.  Nothing to lose really.

[rockup55]

Just for the record, there was a time when I use to only report one card with a small balance and all the rest with zero.  I recall getting ding for inadequate use of credit because when you are balancing 10 cards in total, something is going to go through a long stretch of no reported use when you are only reporting a balance on one each cycle.  That is the reason why I ended up changing to what I am doing presently.  I will go back to the one card only small balance for awhile and see what happens.

[Anonymous]

Here is my suggestion, it could be that Disco is misreporting something minute that escaped your eyes.  I have only been with Disco for 4+ months, I noticed few days ago that my latest FICO 9/21/17 (TU) jumped 13 points from 789 to 802, upon further review I found that they misreported 1 less inquiry (1 instead of 2) than what is on my TU report, I'm guessing that they will catch the mistake on the next go around and my score will drop back down 789.

[Anonymous]

I'm surprised that 1 inquiry instead of 2 would constitute a 13 point drop.  Are they both scoreable, meaning are they both less than 1 year old?  Many have reported 1-2 inquiries being "binned" together, meaning in terms of scoring there's no difference between having 1 or 2 scoreable inquiries on your report.  Now, if 1 of your inquiries is less than a year old and the other more than a year old (unscoreable) and it's the 1 that's less than a year old that vanished, THAT could make your score go down for sure, as 1 inquiry is definitely "worse" in terms of scoring than 0.

[Anonymous]

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@Anonymous wrote:

I'm surprised that 1 inquiry instead of 2 would constitute a 13 point drop.  Are they both scoreable, meaning are they both less than 1 year old?  Many have reported 1-2 inquiries being "binned" together, meaning in terms of scoring there's no difference between having 1 or 2 scoreable inquiries on your report.  Now, if 1 of your inquiries is less than a year old and the other more than a year old (unscoreable) and it's the 1 that's less than a year old that vanished, THAT could make your score go down for sure, as 1 inquiry is definitely "worse" in terms of scoring than 0.

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The inquiries were 5 and 6 months old so both are "scorable".

That said, I'm not sure all 13 points are attributed to the inquiry because I actually started putting the AZEO technique discussed in thread to test a few months ago in stages.  First I spent a few cycles stabilizing my score by reporting every account (7 accounts total) and overall at about 1%, the next cycle I reported 0% while still leaving some balance on every account, no changes to my EX (778 w/5 inquiries) and TU (789).  Last cycle I attempted to report zero for all but one but failed miserably by mistiming a few autopays and ended up with 3 accounts with balance, no changes to EX but found TU at 802, unfortunately the misreporting of the inquiry threw off my data a little because I'm not sure if the bump came from the inquiry or from reporting 0 balance in 4 out of 7 accounts, or combination of both.

All of my accounts are about to close in the next few days, I have done a better job this time around and should only have one account reporting a balance, I should be able to provide some data point as to AZEO and its effects on FICO if at all.