Amazing!

[babbles]

Amazing how the system dosen't like when your credit card balance of $415 out of  $10000 drops to $350 and takes 4 points away from my TU score!  actually it ticks me off!  

[Rogue46]

Agreed! The more I try to understand the credit system the more confused I get..

[markbeiser]

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@Rogue46 wrote:

Agreed! The more I try to understand the credit system the more confused I get..

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Similar to quantum mechanics, anyone who says they understand credit scoring doesn't understand credit scoring.🤪

[SouthJamaica]

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@babbles wrote:

Amazing how the system dosen't like when your credit card balance of $415 out of  $10000 drops to $350 and takes 4 points away from my TU score!  actually it ticks me off!  

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Dropping a balance from $415 to $350 does not decrease your score. Something else caused the decrease.

[Thomas_Thumb]

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@markbeiser wrote:

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Similar to quantum mechanics, anyone who says they understand credit scoring doesn't understand credit scoring.🤪

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I took quantum mechanics 40 years ago. It's not at all like credit scoring algorithms.

[JoeRockhead]

Just pure speculation on my part but, if you're ticked off about a 4 point drop in your score, you'd likely lose your mind completely over the all zero penalty.

As stated, reducing your balance is not likely your suspect. You could have experienced something like a score card reassignment or more likely, some other undisclosed blip.  4 points is easy to get back, but if anyone would know about how scoring works, my money is on the guy in this thread that took quantum mechanics 40 years ago.

[Snook_on_the_Line]

credit scoring is def NOT rocket science.    

Rocket science is simple.       🤔
 
Force = (mass)acceleration 

 
put enough thrust behind a brick and it will fly.   

thrust =  v(dm/dt).  

my ex was a Patriot missile technician 

she explained it to me in five minutes 

I've been working diligently on my credit for over two years and still don't really understand how scores are calculated 

[babbles]

Beautiful scores!  

[FicoMike0]

Ah, yes quantum mechanics! I don't think anyone likes it. It's most meaningful equation is that the integral of the product of the probability wave function with its complex congugate over all space, is one. Thus, everything must be somewhere. Also, everything must be in exactly "onewhere". At any given time.

[markbeiser]

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@Thomas_Thumb wrote:

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@markbeiser wrote:

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Similar to quantum mechanics, anyone who says they understand credit scoring doesn't understand credit scoring.🤪

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I took quantum mechanics 40 years ago. It's not at all like credit scoring algorithms.

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And yet nobody seems to fully understand either!
It was a reference to a quote often, perhapse falsely attributed to Richard Feynman, not a statement that quantum mechanics and credit scoring have any actual similarities...🙄