No matter what - my Fico has stayed the same for like 7 months - this is with CL increases - apps - no apps - paid-off cards ... etc. I think I should have seen SOME sort of movement. I do not get it -
“We delight in the beauty of the butterfly, but rarely admit the changes it has gone through to achieve that beauty.”
@changingmantra2 wrote:No matter what - my Fico has stayed the same for like 7 months - this is with CL increases - apps - no apps - paid-off cards ... etc. I think I should have seen SOME sort of movement. I do not get it -
I have a sneaky suspicion (no official proof) is when that happens you've maxxed out the scorecard for your individual bucket and it's corresponding range; I was in the same place you were last year and other than maxxing out a card I couldn't do anything to shift my score and I stayed flatlined at a 660 Beacon 5. Then suddenly my score started moving again., and it was right around my oldest account turned 2 (and I dropped a couple second round inquiries out of scoring range too) but I'd have to go look up the historical numbers to be certain on the timeline.
Might work in reverse too, shortly after my score started moving again, it barely budged on my Beacon 5 score with a new tax lien added to the report, but I got absolutely hammered on both TU and EX '08. One would've thought that a major new derogatory on any score would've been a big penalty, but since I already had a tax lien on my report, I was likely already in that sort of bucket anyway, and possibly limited as to how much I could fall without being shifted into a different bucket.
Not worth worrying about honestly, it happens.
up 49 points!
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