EXPERIAN FICO 8 25 point drop - no apparent reason

[Anonymous]

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@Slabenstein wrote:

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The cause was the all-zero penalty, which you incurred when you reported $0 on all cards and recovered when you reported a revolving balance again.  So the changes weren't for no reason, just a perhaps counter-intuitive one.

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Exactly.  This was also addressed in the first reply to this thread, so it's definitely not for no reason.

[Anonymous]

I didn't realize it would be the big of a drop though, crazy.  I'll have to download the full credit report vs just looking at Experian so I can see those reason codes.

Thanks for the guidance.

[AllZero]

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@Anonymous wrote:

Just thought I'd do one last reply ... checked score today and it's UP 25 points for no reason.   The only thing I can see that is different is instead of $0 of reported utilization its $263.  The prior update before the drop also showed a small utilization instead of $0.  It's weird that the score can have such a drastric swing without any apparent cause.

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Thank you for the update. See link message 64.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/We-re-Tom-Quinn-amp-Tommy-Lee-FICO-Score-Experts-Ask-us-anything/m-p/6137448#M176963

[CreditPuppy]

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@Anonymous wrote:

I didn't realize it would be the big of a drop though, crazy.  I'll have to download the full credit report vs just looking at Experian so I can see those reason codes.

Thanks for the guidance.

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Hey.

As far as I know, you will not see reason codes on your credit report.  However, I have Experian also.  You can see your reason codes under scores on their site.

Log in

Go to the top of the screen and just left where it says Experian, you will see Reports & Scores.  Hover the pointer over that.

In the dropdown box that will automatically show up, select FICO Scores.

It will bring you to a new screen with your FICO 8 score for that day (yes, for all you MyFICO dudes, Experian updates its FICO scores and report DAILY for 20 per month with TU and EQ monthly).

Scroll down to the middle of the page.  You will see the positives on the left (green) and the negatives on the right (red).

Hope this helps.  Also, sorry if you already knew this. FWIW, above your score, you can go to your other EX FICO numbers, with their codes by clicking on the Other FICO Scores, and the codes are also updated DAILY.