Credit Score Went Up After Crossing 29% Threshold

[Remedios]

Notice how the highest one needed "adjustment", whereas other two were "fine as is" 

[Anonymous]

---

@SouthJamaica wrote:

---

---

There may well be aggregate revolving utilization thresholds, but I haven't been able to detect them in my experience, and -- I venture to say -- neither have you.

---

It sounds to me like your utilization dollars may be taking center stage regarding your score gains and that percentages on your profile are either non-existent or heavily diluted.  I wish we had more data on very high TCL reported balance changes and their impact on Fico scores.

[Anonymous]

---

@Remedios wrote:

Notice how the highest one needed "adjustment", whereas other two were "fine as is" 

---

@Remedios well that's assuming there was a scorecard change. We haven't verified the threshold for version 9. We should go check Cassie's data too. Were there any other changes that could've accounted for that one being changed? Was the score change on the first of the month?

[Remedios]

That's just silly at this point. 

[Anonymous]

I’m just asking because I have not cataloged data points for version 9, so I have no idea. It changed between the mortgage scores and version 8, so it’s not unreasonable to think that could’ve could’ve changed again.

I’m trying to find out so that I know, so I can add it to the Primer. I haven’t really studied Version 9 much, honestly. I don’t just make assumptions.

[Anonymous]

@Remedios and quite honestly it's only been within the last year that we found the threshold for version 8 and the mortgage scores, so this is very new. Everybody was saying it was 15-20 years. So I don't think it's silly this is new knowledge. I'm just trying to document it, so that I can ensure the information I put in the Primer is accurate. 

[Anonymous]

@Remedios so I went and looked, Cassie only got 3 points. It doesn't feel like scorecard reassignment, but I'm going to see if I can get her negative Reason Codes. What did you see on score 9 when you crossed three years? here's Cassies:

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Oldest-account-hits-3-yrs-scores-drops-u...

[Remedios]

It's not new knowledge that I referred to as silly. 

Those scores are from the 1st of the month, since any other day wouldn't work agining wise. 

There is a significant drop on one of them, but not on others.

What would cause loss on EQ, if everything remained the same from 8/31 to 09/01, especially since that's the day it happened? 

I'm sure there are negative reason statements. 

[Anonymous]

---

@Remedios wrote:

It's not new knowledge that I referred to as silly. 

Those scores are from the 1st of the month, since any other day wouldn't work agining wise. 

There is a significant drop on one of them, but not on others.

What would cause loss on EQ, if everything remained the same from 8/31 to 09/01, especially since that's the day it happened? 

I'm sure there are negative reason statements. 

---

@Remedios i'm sorry, I just go into standard mode to verify dps. I should not have asked that. Yes, may we pls see the negative reason codes before and after? 

as for what could cause a significant loss on one and not on others, I don't know. there's a lot of score changes I can't explain. Just like the one where I believe  @Trudy  hit 24 years and saw score change on TU only IIRC. I can't explain that one.

But I'll bet you the percentage that we can explain has drastically increased the past 6 months and year. 😉

Are all three bureaus exact?

[Iusedtolurk]

---

@Anonymous wrote:

@Iusedtolurk and then for more fun, the following month: March 2021, you will move from a clean/thick/mature/new account scorecard > clean/thick/mature/no new accounts Scorecard. That will give you 10 to 20 points. 

so in February you lose 20 to 30 points on average and in March you gain 10 to 20 points on average. That will happen on the first of the month and may be conflated with other changes if you have other changes happening. 

you can read more about the drop from young to mature if you read Cassie's thread linked in her signature.

---

@Anonymous  I was looking at my Transunion report a few days ago and my age of accounts went from 1 yr 11 months to 2 yrs and when I checked my updated fico scores for transunion yesterday this is what I was hit with...............Points dropping like flies. (even though I reduced aggregate util from 38% to 27% and zeroed out 2 accounts now having 10/12 w balances instead of 12/12 with balances.)

Ex and Eq still have 1 yr 11 months for account age.

P.s. how long does the length of time accounts have been established reason code stay on report as a negative factor?