Anyone get vague alerts that don't have any explanation as to why your score went up? It says "Your Fico score has increased from x to x", but doesn't indicate why. Usually, it will tell me what changed on my score. Anyone have any input?
Alerts and scores aren't always related. Sometimes a negative alertable event can appear to cause a score *increase* or a positive alertable event can appear to cause a score *decrease.*
An alert just informs you of a change to your credit report, and when that change occurs, a fresh report and fresh score is pulled. It then adds the updated score to the alert, but they may not always be necessarily correlated.
@BM1990 wrote:Anyone get vague alerts that don't have any explanation as to why your score went up? It says "Your Fico score has increased from x to x", but doesn't indicate why. Usually, it will tell me what changed on my score. Anyone have any input?
MyFICO alerts never tell you why your score changed.
I have had this issue since I've joined MyFico a couple of years ago. I've found that most times Credit Karma does a good job explaining what changes actually happened. So usually when I get one of those alerts within 24-48 hours I'll see some new information on CK for the changes if they occured on either Transunion or Equifax. Hopefully this will be the same for you too!
@GatorGuy wrote:The majority of things that would cause your score to change will never create an alert.
Even when there is an alert, there are likely other favors in play that could be causing a score change as well.
Other factors such as ....?
Happens all the time. This recent one was my favorite, no other alert or info:
@BM1990 wrote:
@GatorGuy wrote:The majority of things that would cause your score to change will never create an alert.
Even when there is an alert, there are likely other favors in play that could be causing a score change as well.
Other factors such as ....?
Age-related metrics a lot of the time. Whether that's AAoA reaching X years, AoYA reaching 12 months, 12 months since last inquiry, inquiries dropping off, etc...
