No, your scores won't change to reflect something that hasn't yet occurred - so if those credit accounts haven't been updated with their new balances, they can't be the reason for your decrease in score.
Are you sure an old, closed account didn't drop off your reports or something? Scores fluctuate, and sometimes for no obvious reason - it's common; but your drops do seem a tad higher than normal point fluctuation so I would say something changed and perhaps you just need to dig a little deeper.
Are you sure an old, closed account didn't drop off your reports or something? Scores fluctuate, and sometimes for no obvious reason - it's common; but your drops do seem a tad higher than normal point fluctuation so I would say something changed and perhaps you just need to dig a little deeper.
@Anonymous wrote:The credit card with the increased balance should post to my report today or tomorrow. If there is a further reduction in points, then, I will know the reduction today was not caused by that.
Regardless of whether or not there is a further reduction of points once your balances update -- the points lost today were not due to balances not yet reported to Experian. It doesn't work that way. Your scores respond immediately to information as it is reported/updated on your credit reports.., not before, not after.
Once your increased util reports, there should not be a loss in points for increasing from 12-13%, as Morpho explained. Exceptions for such a minor aggregate util increase, without crossing any of the known utilization scoring thresholds (8.9%, 28.9%, 48.9%, 68.9%, 88.9%). causing a decrease in scores is if the individual utilization on a single card increased over 28.9%, while your overall (aggregate) util only increased 1%; or if you lost a few points due to an increased number of cards reporting a balances.
It's possible for your scores to change without known reason... FICO is a comparison algorithm that scores your profile against the similar profiles of those on the same scorecard. Because of that, your scores may change without an obvious - or known to us - reason.
@Anonymous wrote:I don't have any old closed accounts, so, it is not that.
The only thing that has happened since yesterday is my last payment to my instalment loan posted to my report. That took my loan balance from 80% to 75%.
I don't believe this would cause a decrease in score. If you paid the loan off completely, then yes.
@Anonymous wrote:
@thornback wrote:
It's possible for your scores to change without known reason... FICO is a comparison algorithm that scores your profile against the similar profiles of those on the same scorecard. Because of that, your scores may change without an obvious - or known to us - reason.
Just one final question. I do not believe this to be the case but a friend swears it happens. I was credit checked for a mortgage on 11th November. All 3 agencies were checked and I got an inquiry on all 3. I 'passed' and was offered the mortgage. Due to utter incompetence by the mortgage company and their incessant requests for 19th century security measures, the mortgage has not happened yet. My friend swears on his life that if you are credit checked in this way and then there is no subsequent account opened, the credit reference bureaus assume you were declined for the mortgage and your points are reduced. Please tell me this is complete nonsense. I would like nothing more than to smugly tell my know-it-all friend that he is talking garbage. :-)
Nope. Your buddy is mistaken. If this were the case --everyone on this forum would be petrified to app for anything without a solid pre-approval for fear of being denied and thus dinged for more than just the inquiry alone. There is zero evidence to support this notion. So feel free to go back and tell your buddy to kick rocks.. 
That said, your elaboration on your buddy's thought process seems to have, inadvertantly, given us some insight into why your scores decreased. You never mentioned your mortgage shopping on 11/11 -- you specifically said, "no new inquiries"... which is an understandable statement under normal circumstances -- but not with mortgages / loans...
It was 32 days between 11/11 and 12/13 - when you noticed the scores decreased... just about how long it takes FICO to finally penalize you for mortgage inquiries... they wait 30 days to allow for 'rate shopping' so not to affect your scores during that time your reports are being evaluated by multiple lenders. After 30 days.. they assume you're finished and will then weigh the inquiries in your score calculation.
Read below from myFICO (https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries):
*Edited to include screenshot
@thornback wrote:
Nope. Your buddy is mistaken. If this were the case --everyone on this forum would be petrified to app for anything without a solid pre-approval for fear of being denied and thus dinged for more than just the inquiry alone. There is zero evidence to support this notion. So feel free to go back and tell your buddy to kick rocks..
That said, your elaboration on your buddy's thought process seems to have, inadvertantly, given us some insight into why your scores decreased. You never mentioned your mortgage shopping on 11/11 -- you specifically said, "no new inquiries"... which is an understandable statement under normal circumstances -- but not with mortgages / loans...
It was 32 days between 11/11 and 12/13 - when you noticed the scores decreased... just about how long it takes FICO to finally penalize you for mortgage inquiries... they wait 30 days to allow for 'rate shopping' so not to affect your scores during that time your reports are being evaluated by multiple lenders. After 30 days.. they assume you're finished and will then weigh the inquiries in your score calculation.
At this precise moment in time, I am so happy, I could scream! The sheer frustration of not knowing why the points deduction had happened was playing havoc with me! Thank you for getting to the bottom of it! Even though the deduction is still annoying, the fact that I know why it happened has allowed my sense of equilibrium to return. If I can understand something then I can deal with it. The world has returned to being a logical place again! :-)
You are absolutely correct - I had no idea that the inquiry for the mortgage was relevant to the question. I always assumed that points deductions happened as soon as the inquiry showed. I live and learn and happy to take full responsibility for the ommission.