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Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?

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AzCreditGuy
Valued Contributor

Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?

As the post says down 11 pts on TU account when I pulled my 3 scores. I have been in the garden for 2 years and 11 months now, with no plans on new credit for while. It seems my TU account was the only one affected? Recent $13,600 CI on my BofA cc is only chang in the past week. EX has not updated this, EQ has and no score change.  Puzzled?

 

TU DOWN.png

 

cHANGES.png

Message 1 of 9
8 REPLIES 8
GatorGuy
Valued Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?

Did all your credit cards report a zero balance?

 

Don't forget, there are a large number of things that affect your score and never show up as alerts or under "what's changed".

Message 2 of 9
SouthJamaica
Mega Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?


@AzCreditGuy wrote:

As the post says down 11 pts on TU account when I pulled my 3 scores. I have been in the garden for 2 years and 11 months now, with no plans on new credit for while. It seems my TU account was the only one affected? Recent $13,600 CI on my BofA cc is only chang in the past week. EX has not updated this, EQ has and no score change.  Puzzled?

 

TU DOWN.png

 

cHANGES.png


Your increased credit limit would not have caused a point loss of any kind. 

 

You would need to compare your TU data before and after to determine what did cause it.

 

BTW your 2nd screen shot, relating to changes in your EX report, has no bearing on your TU score.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 682




Message 3 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?

Weird thing is how in the world is all your AA's/Time at 1 month?


Message 4 of 9
AzCreditGuy
Valued Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?


@GatorGuy wrote:

Did all your credit cards report a zero balance?

 

Don't forget, there are a large number of things that affect your score and never show up as alerts or under "what's changed".


No I do have accounts showing balances 

Message 5 of 9
AzCreditGuy
Valued Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?


@SouthJamaica wrote:

@AzCreditGuy wrote:

As the post says down 11 pts on TU account when I pulled my 3 scores. I have been in the garden for 2 years and 11 months now, with no plans on new credit for while. It seems my TU account was the only one affected? Recent $13,600 CI on my BofA cc is only chang in the past week. EX has not updated this, EQ has and no score change.  Puzzled?

 

TU DOWN.png

 

cHANGES.png


Your increased credit limit would not have caused a point loss of any kind. 

 

You would need to compare your TU data before and after to determine what did cause it.

 

BTW your 2nd screen shot, relating to changes in your EX report, has no bearing on your TU score.

 

Nothing has changed since I pull it on the 1st, 10th, 20th, 30th

Ex report was to show the CLI from B of A only


 

Message 6 of 9
AzCreditGuy
Valued Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?


@FireMedic1 wrote:

Weird thing is how in the world is all your AA's/Time at 1 month?


Unsure I did see that and was like hmmm 

Message 7 of 9
GatorGuy
Valued Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?

@FireMedic1 I read that as they all increased by one month. If you see the top of the column it says increased.

Message 8 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Down 11 pts TU and recent CLI factors in? Experian.com didnt have its coffee yet?


@GatorGuy wrote:

@FireMedic1 I read that as they all increased by one month. If you see the top of the column it says increased.


Ah. The fine print. Everything happens each month by a month as it is. Its aging! Duh!


Message 9 of 9
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