Discover FICO 8 Transunion Shocking Score!

[CA4Closure]

Traditionally Transunion has always been the lowest of my FICO scores. The highest I ever acheived with Transunion FICO 8 was 819. This month it rose to 829! Typically, Transunion FICO 8 is around 815 and not a blip for 18 consecutive months even though my utilization is <1%! This is the highest jump ever in my 5 years with Discover! I always had -2 or +2 score movements.

Equifax and Experian, my FICO scores are in the 840-849 areas. 

[AllZero]

Congratulations on your score increase. You are getting closer to 850s.

[M_Smart007]

@CA4Closure, Congrats on the nice work ... Great score's!!!

[OmarGB9]

Congrats on the jump!

[Anonymous]

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@CA4Closure wrote:

This month it rose to 829! 

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Do you know why?

My guess would be something age of accounts related.  The question is what were your age of accounts factors at the end of September and what did they become on October 1?  Perhaps with that data we can determine if a potential threshold was crossed.  You didn't happen to last open an account in October 2019 did you?

Also, did you have any inquiries reach 365 days of age?

[Remedios]

@Anonymous  Bingo! 

[CA4Closure]

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@Anonymous wrote:

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@CA4Closure wrote:

This month it rose to 829! 

---

Do you know why?

My guess would be something age of accounts related.  The question is what were your age of accounts factors at the end of September and what did they become on October 1?  Perhaps with that data we can determine if a potential threshold was crossed.  You didn't happen to last open an account in October 2019 did you?

Also, did you have any inquiries reach 365 days of age?

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Yes, I had one inquiry fall off. Good observation! My oldest account was Capital One which I closed two months ago at 19 years 11 months. Yes, that affected my AAoA to 10.1 years instead of 19 years 11 months. 

[Anonymous]

Closing that account has no effect on your age metrics unless the tradeline was removed completely from your reports. If it's there and just reporting closed, it still factors in and you maintain that AoOA.

[CA4Closure]

I recently closed a 20 year old Capital One credit card. This is the card that had a monthly fee of $5 and no rewards. It was stuck at $6,500 credit line and I never used it. I kept te Quicksilver card because it had no AF and has rewards. 

Just two recorded inquiries by Vantage 2.0 in the last 2 years.

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@Anonymous wrote:

---

@CA4Closure wrote:

This month it rose to 829! 

---

Do you know why?

My guess would be something age of accounts related.  The question is what were your age of accounts factors at the end of September and what did they become on October 1?  Perhaps with that data we can determine if a potential threshold was crossed.  You didn't happen to last open an account in October 2019 did you?

Also, did you have any inquiries reach 365 days of age?

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[Anonymous]

While it's too late now, perhaps a lesson learned here for the OP or anyone else that comes across this thread.  While closing ones oldest [20 year old] account today has no real Fico score bearing, when that account falls off it will mean an AoOA/AAoA drop.  Whether or not they are significant is profile-dependent. 

OP, I understand that you were paying a AF on the card and that your limit was stagnant.  In the case of the AF often one can PC to a different/non-AF product with a phone call when you're talking a major bank card.