my TU score went from 699 to 700. What does this even mean!? 
@Anonymous wrote:my TU score went from 699 to 700. What does this even mean!?
You're not providing enough info.
-what do define as a freefall? 600 to 450, 650 to 625...
-what was the time line? what were your scores before the vacation, how does a vacation affect your scores, did you finance your vacation with credit
-what was the time line with respect to the new car lease, what were the score changes before and after, how are you financing the lease
-why are you specifically referencing a 699 to 700 change? This is 1 point, this change is inconsequential
This info is required to do any kind of analysis or to determine that relative changes are so small that they don't deserve an analysis but rather an info session for you on expectation with credit scores.
Happy to help, just need more data points.
@Anonymous wrote:my TU score went from 699 to 700. What does this even mean!?
+1 to More Information Would Help
Basically, if you have been hitting your score with increasing balances, inquiries, and a new account,
and then you stop hitting your score
the score begins to recover, and in the absence of late payments or other hits, it begins to climb again. Month by month. Slowly. Like, 1 point slowly sometimes 
Don't sweat this overly much.
My TU FICO 8 gained a point, and lost a point, both without reasons attached while going through the mortgage process.
Installment utilization might've partially changed depending when TU got the first half of the data (it still hasn't gotten the second part) and mortgage inquiries fell out of the grace period, but 1 point, w/e. Not worth losing sleep over, just the TU monitoring solution leaves a lot to be desired.
