I'm not quite sure how to interpret this but I had the reason code move from #3 to #4 presumably on Mar 1. I didn't quite get this isolated, 2/28 and 3/2 but couldn't find any other changes on my accounts and the reason code was explicit. Total score change was +7, but hard to say if that wasn't conflated with some other aging thing, I hate trying to diagnose aging metrics FWIW.
2/28:
- Short Credit History
- Inquiries
- Recently opened too many new credit accounts
- CFA
3/2:
- Short Credit History
- Inquiries
- CFA
- Recently opened too many new credit accounts
Data: Havent really analyzed it but at surface detail maybe the counting goes back to 2 years? Will be interesting to see if 4/1 brings anything.
35 total tradelines.
19 open accounts
Rev: 5/20
MTG: 4/20
Rev: 1/20
Rev: 4/19
Rev: 3/19
ILoan: 12/18
Auto: 11/18
Rev: 1/17
Rev: 1/17
They are from Experian's additional scores explicitly.
That is an interesting analogy with Chase and line of thought in general regarding strictness: EX FICO 2 was developed over two decades ago long before the modern credit era (which I'll anecdotally suggest started in 2014).
When you think of the state of the credit world there weren't nearly the same number of available options back then... that would be interesting to look back on but there was nothing like the plethora of rewards options we see today so I would expect lenders and therefore FICO to be far stricter in their metrics.
I somewhat doubt mortgages are excluded: they didn't really start playing with tradeline differentiation until a few years later (NextGen 1/2 in 2001/2003 respectively), I don't even know if FICO '98 even had any distinction at all but some others might know.