Credit Limit datapoint | TU | CL change

[expatCanuck]

This was a new data point to me.

TU just reported a change in total/aggregate CL (54.5K to 69.5K, with a balance of 4.5K).

TU/FICO parlance: "All Bankcard account(s) credit limit increased".

Good for a 9-point increase (786 -> 795).

Now if I could only keep issuers away from my EX file ...

[Anonymous]

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@expatCanuck wrote:

This was a new data point to me.

TU just reported a change in total/aggregate CL (54.5K to 69.5K, with a balance of 4.5K).

TU/FICO parlance: "All Bankcard account(s) credit limit increased".

Good for a 9-point increase (786 -> 795).

Now if I could only keep issuers away from my EX file ...

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The alert trigger factor is not necessarily the reason for the score increase.

See my signature link on "FICO Alert" below.

In your case, the FICO score increase may have just been due to utilization changes, or a slew of other changes over the prior score pull.

[expatCanuck]

And I knew that, too. 

Still, I can't account for it based on utilization (8.1% to 6.4%).

Perhaps it's 'cause the (refi'd) mortgage is now reporting (improving Credit Mix).