So I recently paid my balances down and got some CLI's. have been eagerly awaiting reporting dates as I assumed I'd get a big bump in scores since I had a revolver passing the 48.9, 28.9, and 8.9 thresholds and also being paid off to Zero bringing me to 1 less card reporting a balance. MY aggregate also dropped from 30% to 26% passing the 28.9% threshold.
My Experian Fico 2 score before was 749. The credit report updated with the CLI's and balances and the score did not even increase 1 point.
Meanwhile my Experian Fico 8 jumped 28 points (733 to 761) , My EX Fico autoscore 2 jumpt 31 points (739 to 770), and my fico bankcard scores did all kinds of crazy stuff: BC 3 increased 47 points (700 to 747), BC 8 increase 21 points (from 740 to 761) and somehow my bankcard 2 score dropped 79 points (from 835 to 756).
My EX FICO 8 increased 23 points (737 to 760). MY TU has not updated balances yet.
I realize that the thresholds are not concret, there are a ton of factors, and mortgage scores are a different flavor than Fico 8. but 0 points seems really odd and was really expecting to hit 760 or beyond.
Here is my credit report prior to the updates:
Experian Fico 2: 749
| Account | Balance | Limit | Ratio | APR |
| Walmart | $0.00 | $1,450.00 | 0.0% | 22.90% |
| Paypal | $1,662.00 | $3,500.00 | 47.5% | 25.49% |
| Venture | $2,960.00 | $7,000.00 | 42.3% | 17.99% |
| Amazon | $4,991.00 | $6,000.00 | 83.2% | 27.49% |
| Amex | $5,262.00 | $8,500.00 | 61.9% | 22.49% |
| QuickSilver | $0.00 | $9,000.00 | 0.0% | 22.99% |
| CareCredit | $0.00 | $15,000.00 | 0.0% | 21.49% |
| Total | $14,875.00 | $50,450.00 | 29.5% | 22.98% |
*Experian Credit report rounded up showing my util at 30%
- Inqueries 9: (2 scoreable/less than 1 year old)
- 100% payment history on-time, no lates or derrogatories
- No Collections, Settlements, baddies
- 45,000 in installment loans (100% on time, no lates, etc...)
- AoOA: 18 years
- AAoRA: 6 months 4 years
Here is my credit report after the updates:
Experian Fico 2: 749
| Account | Balance | Limit | Ratio | APR |
| Walmart | $0.00 | $1,450.00 | 0.0% | 22.90% |
| Paypal | $0.00 | $3,500.00 | 0.0% | 25.49% |
| Venture | $2,960.00 | $7,000.00 | 42.3% | 17.99% |
| Amazon | $4,991.00 | $6,000.00 | 83.2% | 27.49% |
| Amex | $5,262.00 | $8,500.00 | 61.9% | 22.49% |
| QuickSilver | $0.00 | $10,000.00 | 0.0% | 22.99% |
| CareCredit | $0.00 | $15,000.00 | 0.0% | 21.49% |
| Total | $13,213.00 | $51,450.00 | 25.7% | 22.98% |
*Experian Credit report rounded up showing my util at 26%
- Inqueries 9: (2 scoreable/less than 1 year old)
- 100% payment history on-time, no lates or derrogatories
- No Collections, Settlements, baddies
- 45,000 in installment loans (100% on time, no lates, etc...)
- AoOA: 18 years
- AAoRA: 6 months 4 years
Is there something I am missing. Do experian Fico scores have their own seperate credit report where maybe the Fico 8 and auto scores are seeing updated info but the mortgage score and 1 bankcard score are seeing an older version? I'm was waiting until EX Fico 2 topped 760 before pulling my 3B report as i dont want to waste the $60 until all scores are increased.
My mortgage scores behave in a similar manner. I don't see a shift til I get number of cards w balances below 30%. Looks like you went from 4/7 to 3/7 with balances - so from 53% to ~43%. my guess is you'll see movement at 2/7 or 28.5%.
Also, while your aggregate util dropped below 28%, your individual util on your remaining balances is still higher than ideal - my mtg scores drop harder when individual util is high than they do when aggregate util is high.
Keep doing what your doing - those mtg scores will respond.
I honestly dont know what's up with your BC2 score though... maybe someone else has ideas about that.
And congrats on your pay down and other score increases. I know you didnt get the mtg boost you expected, but you should be proud of yourself.
@Anonymous wrote:
@thornback wrote:My mortgage scores behave in a similar manner. I don't see a shift til I get number of cards w balances below 30%. Looks like you went from 4/7 to 3/7 with balances - so from 53% to ~43%. my guess is you'll see movement at 2/7 or 28.5%.
Also, while your aggregate util dropped below 28%, your individual util on your remaining balances is still higher than ideal - my mtg scores drop harder when individual util is high than they do when aggregate util is high.
Keep doing what your doing - those mtg scores will respond.
I honestly dont know what's up with your BC2 score though... maybe someone else has ideas about that.
And congrats on your pay down and other score increases. I know you didnt get the mtg boost you expected, but you should be proud of yourself.
Thanks for the info. Is it odd at all to not even see 1 point. this gives me some hope something hasnt quite updated on the Fico 2. individual revolver crossed 3 thresholds so if that factors at all id think maybe 1 point at least?
I paid my Venture to 0 but that wont report until the 4th. that will get me to 2/7 so hopefully that gives me some movement on the Fico 2. My aggregate will also drop to 17% once that updates along with CLI +8000
It's actually not odd - and no, there aren't separate reports for each score version (though I love your optimistic imagination 😊).
All scores are generated based on the most recent report data - so if your reports are updated, the score reflected is what it is.
Mortgage scores are just funky... we know AZEO gives the best outcome for mtg versions and that's why it's pushed as the best way to achieve upward movement.
Hopefully, your next update will yield some positive results (I believe it will).
I would expect TU4 to move. I would not expect EQ5 to move (only judging from my own mtg score experiences).
@Anonymous wrote:Thanks.
I guess EQ is less relevant anyhow as my bottom score. TU/EX road to 760 is what matters more.
So far it's irrelevant -- you never know, it may end up being your highest when all is said and done...