1-point boost, 2-point drop; I did nothing

[Anonymous]

I wonder if some of the small incremental score changes may be due to some type of rounding error. Since fico scoring is only expressed using whole numbers it would seem impossible not to adjust for decimals. Any thoughts?

[expatCanuck]

So, today, after the 1 point boost 3 days ago on TU, Experian dings me 2 points (down to 721).

I just don't get it.

[expatCanuck]

The gods continue to mock me, but in a different way.  

[Found out why EX dropped 2 points - I lowered my Disco CL from 15 to 12.

TU FICO went up ostensibly because I made a mortgage payment, but that reason doesn't track -- I still owe over 98% of the original amount.

[Anonymous]

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wrote:

I couple of experienced members here like Rev have stated many times in the past that the impact of inquiries over time does not lessen, meaning that they impact X number of points on Day 1 and then at 1 year stop impacting X number of points all at once.   

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That may be true for some profiles. But not all. I get a point or two back at 3 months, 6 months, and a year. I rarely have. More than two inquiry’s in two years. That may factor in two. Each inquiry costs me 4 to 6 points also. If I had a lot of I wuirys I know eventually each one would cost zero points.

[Anonymous]

Each inquiry shouldn't be costing you 4-6 points.  Each pair of inquiries maybe, but not each individual one.  Most believe that inquiries are binned in some form.  For example, 0-1 together, 2-3, 4-5, etc.  That being said, going from 2 inquires to 3 (for example) may result in no score change at all, where going from 1-2 or 3-4 may result in a score change.