VS3 is very sensitive to changes in account balances, and unlike FICO it tracks trends, not just the most recent balances. So if your balances are trending upwards, VS3 reacts more negatively than FICO. Whereas, if your balances are trending downwards, your VS3 may react more postitively than FICO.
I've noticed my VS3 scores are very volatile, compared to FICO, and it's because I put like $10k of spend on my cards every month and my balances fluctuate by +/- several thousand dollars every month.
A couple months ago, my TU VA3 completely tanked, dropping from high 600's to high 500's in one day, for no reason other than my balances were reported a little higher that month than usual. As soon as I paid those balances down a little (like, seriously, only a little! only 5 or 10%) my TU VA3 shot back up to high 600's again. It's a funny scoring model...
Total Loan Balance: $43k / $65k
Total SL: $78k
Congrats on breaking 700 on 2 out of the 3. Experian will get there soon.
