My Experian score has only changed from 775 to 777 since June, and that was at the beginning of October, and I don't expect it to change by more than 5 points before February 2025, at which point it will jump to over 800 when my newest accounts hit the 1 year mark.
If you don't have negative items on your report, and you don't go above or below any utilization thresholds, add new accounts, pass any time thresholds, etc., your score won't change much, if at all.
Relax, it is normal.
@markbeiser wrote:My Experian score has only changed from 775 to 777 since June, and that was at the beginning of October, and I don't expect it to change by more than 5 points before February 2025, at which point it will jump to over 800 when my newest accounts hit the 1 year mark.
If you don't have negative items on your report, and you don't go above or below any utilization thresholds, add new accounts, pass any time thresholds, etc., your score won't change much, if at all.
Relax, it is normal.
I'm in the same situation. My Experian FICO8 score rarely changes. It is the most stable of all 3 of my FICO8's. When it does change, it is usually because of an aging metric. It goes up when my newest account or inquiry goes over the 1 year mark. And it goes down when I add a new account, or when a really old account drops off after 10 years of being closed. As @markbeiser described above, unless you trigger some type of threshold (including the All Zero penalty) there might not be much of a change on a clean scorecard.
