Beginning to think CCT isn't really updating my scores...

[Anonymous]

Maybe I have just hit a plateau, but it has been about 20-25 days since I have seen any score change using CCT monitoring (I switched from myFico about 2 months ago but until a couple weeks ago had both).  Not one single point up or down on any of my scores.  Today my EX updated with 3 cards going to $0 balance, one of which was at 50% the previous report (can't pull EQ or TU quite yet to see if the those scores changed).  I do still have utilization on other cards, overall I am under 30%.  I have been monitoring scores for 9-10 months and have never gone this long without ANY score change.

Anyone else seeing anything funky with CCT or should I just mark this as my scores are become more stable?

EDIT: I should also add that during this time of no score change, I have had a limit increase on one card $300->$3500, added 2 INQ and a new card with a $2000 limit has been added...another card yet to report.

[Anonymous]

My scores have changed multiple times since signing up. I'd say you've just stabilized.

[Anonymous]

that very well may be, it just seems odd that with all the changes that there hasn't been a single point change up or down at any point.  I know scoring is illogical but still.  I had multiple score changes in my first month of service for much less.

I ended up cancelling service.  I called trying to get some technical support on the chance there was something going on and got absolutely no help.  The first person gave me canned answers...including "scores can vary depending on model", "your score only changes if there has been changes to your report", and "you can pull your new updated reports in 6 days".  I got transferred to a supervisor who then told me I needed to speak to a financial advisor??!!!

Score model had nothing to do with it, I did have report changes, yes I know I can update in 6 days but EX should update daily, and I know what "should" affect my score and those things happened....I was not difficult or rude to them but when they flat out refused to look into my concern and see IF it was a possiblity that something was wrong with my account I decided the service wasn't worth it and if, in fact, my score have stabilized that much I don't need to pay to monitor my scores.

[Revelate]

Like what changes?  I can tell you from what you listed previously, all of them could result in 0 change depending what else is in your file both on the inquiries, the CLI, and the utilization reduction.  I've seen all 3 not have an effect on my score, including a 50%+ account to zero.

[Anonymous]

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@Revelate wrote:

Like what changes?  I can tell you from what you listed previously, all of them could result in 0 change depending what else is in your file both on the inquiries, the CLI, and the utilization reduction.  I've seen all 3 not have an effect on my score, including a 50%+ account to zero.

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I absolutley understand and agree that the changes could have no impact and in all likelyhood the score is correct.  I just found it odd that usually when I sneeze and my score changes and this is the longest it has gone without a change since I have been monitoring/rebuliding.  I just wanted to make sure that others weren't having issues as well trying to learn from what was going on.

During this time, I went from 36% overall UTL on 8/22 to 28% as of this morning, 11 of 12 card reporting balances on 8/22 (most of them small amounts due) to 5/12 accounts posting balances.  Evidently, the under 30% utl rule doesn't work for me!

[Revelate]

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@Anonymous wrote:

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@Revelate wrote:

Like what changes?  I can tell you from what you listed previously, all of them could result in 0 change depending what else is in your file both on the inquiries, the CLI, and the utilization reduction.  I've seen all 3 not have an effect on my score, including a 50%+ account to zero.

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I absolutley understand and agree that the changes could have no impact and in all likelyhood the score is correct.  I just found it odd that usually when I sneeze and my score changes and this is the longest it has gone without a change since I have been monitoring/rebuliding.  I just wanted to make sure that others weren't having issues as well trying to learn from what was going on.

During this time, I went from 36% overall UTL on 8/22 to 28% as of this morning, 11 of 12 card reporting balances on 8/22 (most of them small amounts due) to 5/12 accounts posting balances.  Evidently, the under 30% utl rule doesn't work for me!

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To be fair I don't know if the 30% was ever an explicitly tested breakpoint... I know I had no difference between 13 and 27% aggregate but that doesn't help and I never got up to 30% ever, but lower is better which is pretty much indisputable.  Pretty much everything in the algorithm works that way, inquiries, number of tradelines with balances, derogatory stacking, etc. ad naseum.

I don't know what CCT's triggers are, I suspect they're better than MF on EX but I don't know on the other two bureaus. I know it's a small sample size but I'm not certain I've seen any other complaint on CCT other than their TU reporting seems to lag even MF monitoring (which is saying something hehe, TU get your poop in a group!)

[Anonymous]

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To be fair I don't know if the 30% was ever an explicitly tested breakpoint... I know I had no difference between 13 and 27% aggregate but that doesn't help and I never got up to 30% ever, but lower is better which is pretty much indisputable.  Pretty much everything in the algorithm works that way, inquiries, number of tradelines with balances, derogatory stacking, etc. ad naseum.

I don't know what CCT's triggers are, I suspect they're better than MF on EX but I don't know on the other two bureaus. I know it's a small sample size but I'm not certain I've seen any other complaint on CCT other than their TU reporting seems to lag even MF monitoring (which is saying something hehe, TU get your poop in a group!)

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That is valid and obviously it was just an assumption based on the standard "recommendations".  Interesting enough, although there was no score change the comments on the report went from "heavy credit use" at 36% to "good" once I hit 30% and lower.  I can also point out that I did, in fact, see a score change with EQ and TU once I was below 30%...those utl changed a couple weeks ago bc they like to think an old card is open when it is fact isn't. But of course there could always be an underlying mystery cause of those increases as other things were going on with my report outside of UTL.

As far as CCT as a product, I can not really complain as I had been satisfied until talking to Customer service and their complete unwillingness to listen to what my actual concern was.  I do suspect, and have all along, that the score is acurate I just simply wanted to make sure something wasn't amiss and no one wanted to take the time to listen to me. 

The lesson is: Even once you think you have figured it out....you haven't!

[cj1132]

When you compare this last report to the previous one, has your oldest account age or average age of accounts changed?  Has an old account with a longer age dropped off or did the new accounts added drop your average age down?

You stated that you dropped your total utilization down and also the number of cards with a balance down.  Did the balance on any individual cards increase?

Just a couple more possibilities.

[Anonymous]

AAOA went from 6.4 to 6.5 so nothing that would have made a difference.

No increases on individual cards, either they had updated with minor decreases or no change as they had already updated.

[Anonymous]

Just to lessen your concerns, I too thought something was wrong with CCT. My EX score has changed once since I started with CCT. It has taken me several months to finally understand why.  I have no baddies. No lates, 100% payment history, $50K in available credit, a PLOC, a car loan at 90% and a small share secured loan that I was trying to optimize numbers with. ie. Revelate's Theorem.

I took an unplanned HP from BoA, had several CLI's above $10K, Util has gone from 1% to 37% to 5% to 15% to 1%. In short, my file has had multiple things occur that several years ago would have triggered a score change.   However, this month, when I looked at score factors, I had an AoA of 3.9 years, accounts with ages like 4.9 years, 1.9 years etc., several inquries at 1.9 years or .9 years, I realized that my scores had just become more stable as the result of my better credit handling habits. But a lot of things are on the cusp of a change. At the end of this month. I'm going to check the accuracy of the score tracker as it 'predicts' a positive swing "if I pay my bills on time" of about 30 points!

I also realized that having a stable score with multiple changes having almost nil impact on my score means my data on my small instaollment loan is moot. Sorry Revelate.

So OP, it might be a good thing with score stability, EX just hasn't had the right triggers for your file. Give it time.