EX FICO 8 Score changes - new revolving accounts

[NRB525]

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@Anonymous wrote:
No, I had no open credit cards reporting until just now. I apped end of March for my first cards and the ones in my sig are the ones I was approved for but weren’t reporting yet.

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So, specifically which cards have reported as New Accounts (not HP for the application) and what balances reported on the last statement for those accounts?

[Anonymous]

Cap1/Maurice’s $0/$500
BOA $0/$4900
Discover $0/800

Reporting to EX on the 13th, 14th, and 15th respectively.

[Anonymous]

Fourth revolving account, Walmart, reported today. EX FICO 8 drops to 704.

[Anonymous]

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@Anonymous

So first revolving account, score dropped 2 points, second revolving account, score went up 24 points, and third revolving account, score dropped 8 points.

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I think there's too much else going on to be able to reply on these data points as being clean. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous

So first revolving account, score dropped 2 points, second revolving account, score went up 24 points, and third revolving account, score dropped 8 points.

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I think there's too much else going on to be able to reply on these data points as being clean. 

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Well, I have a pretty thin file. Could you point out what else might be going on? All my CC balances are $0, and student loans won’t update my next payments for at least a week.

[Anonymous]

It just doesn't make sense to me that the same event (adding an account) would cause both score gains and drops, especially if you have little to nothing else going on with your profile.  From my experience, if an event causes a drop it causes a drop, or at times no change at all and if an event causes a gain it causes a gain, or at times no change at all.  The event causing a drop, then a gain, then a drop just feels off to me.  Just my opinion.

[Anonymous]

I don't know if closed accounts count towards credit mix, if it does not, it might have something to do with the irregularities of the first 2 accounts reporting, especially the 2nd one which is a "bank issued revolver".