Bucketing is a dynamic parameter of grading your CR data against other CR's of similar characteristics. Therefore, as your CR changes, this means you are graded against a changing peer group. As the general CR population CR's individually and collectively change, this causes bucketing mutation.
FICO is a dynamic grading system of using the law of large numbers to predict outcome of risk. As there is more data available, these predictions (scores) may be dynamically changed to reflect the ever changing CR data base.
As your CR changes, this impacts how and who you are graded in comparison to. There are not physical or static buckets, it is a dynamic and fluid phenomenon.
So, while we can predict the influencing characteristics and components of score, we cannot know the outcome because this is going to be based upon the individual compared to segments of the collective.
