Crazy score variation

dekelley1 · ‎02-15-2023

This seems to be getting out of control!

Starting Score: 615
Current Score: Lender pullEQ 667, TU04 698 TU98 644, EX 660
Goal Score: 700

Take the FICO Fitness Challenge

DONZI · ‎02-15-2023

Do you happen to use "boost" with EX?

[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]

dekelley1 · ‎02-15-2023

No, I tried, but none of my bills took. That was about 3yrs ago though.

Starting Score: 615
Current Score: Lender pullEQ 667, TU04 698 TU98 644, EX 660
Goal Score: 700

Take the FICO Fitness Challenge

JoeRockhead · ‎02-15-2023

I have something similar going on with my scores right now, only for me it's TU that's out in front leading EX by 24 points with EQ bringing up the rear. I know the reason my TU jumped was they deleted an account that had a 30 day late on it from 6.5 years ago. EX still has the account listed but removed the 30 day late and of course EQ still has the account with the 30 day late.... maybe you had something fall off EX that is still on the other two. ¯\_(ツ)_/¯

dekelley1 · ‎02-15-2023

I'm going to go through my report today. What sucks about my fico is many notifications of changes, don't list the account that actually changed or dropped.

Starting Score: 615
Current Score: Lender pullEQ 667, TU04 698 TU98 644, EX 660
Goal Score: 700

Take the FICO Fitness Challenge

JoeRockhead · ‎02-15-2023

@dekelley1 wrote:
I'm going to go through my report today. What sucks about my fico is many notifications of changes, don't list the account that actually changed or dropped.

@dekelley1 I would go to https://www.annualcreditreport.com/index.action and pull your 3 reports there and compare them, they are still offering free weekly reports due to the pandemic... you'll get a clearer picture of what's on there as of the day you pull them.

dekelley1 · ‎02-15-2023

Thanks! Will do

Starting Score: 615
Current Score: Lender pullEQ 667, TU04 698 TU98 644, EX 660
Goal Score: 700

Take the FICO Fitness Challenge

DONZI · ‎02-15-2023

..and the alerts that show a score change may list something irrelevant to score changes or other odd things.

[2020-12-09]=[EQ8|786]-[TU8|746]-[EX8|772] .... gardening until I can't (again).
[2023-10-01]=[EQ8|797]-[TU8|776]-[EX8|775]

Thomas_Thumb · ‎02-15-2023

A variety of events can trigger a score pull. Not all events impact score. Also, often times an alert event that triggers a pull is not the cause of an observed score change. I tend to ignore score changes of 5 points or less as noise. Shifts of 10 or more points are significant and worth investigating - IMO.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

AzCreditGuy · ‎02-15-2023

Seems about right in my OP, in my journey the past 8 years of getting my credit back in check.

It seemed 8 years ago My TU was the highest EQ next and EXP lowest

It changed to EQ and EXP being the highest and TU being the lowest

Now its EXP 797 EQ 792 TU 791