@GApeachy wrote:my closed accts. went from 6 ageing down to 5 just today. (a 9point drop)
But I didn't close any accts. or did anything else.. 
With more than half of your revolving accounts reporting a balance, that is certainly hurting you. More than half with a balance might tip the scales heavily, regardless of what the overall util% is. Odds are one of them reports at the end of the month.
@Paranoid wrote:
@GApeachy wrote:my closed accts. went from 6 ageing down to 5 just today. (a 9point drop)
But I didn't close any accts. or did anything else..
I didn't either but one of my old accts.(a really good one) aged off my report today and I had to do some digging and comparing to find out why my score dropped. Mine was due to that good old acct. simply "ageing" off. I'm not saying that's your situation but I'm just trying to brainstorm with you. I hope you find the answer soon. Take care 
@Paranoid wrote:
@Glen_M wrote:With more than half of your revolving accounts reporting a balance, that is certainly hurting you. More than half with a balance might tip the scales heavily, regardless of what the overall util% is. Odds are one of them reports at the end of the month.
I just looked at my report of the beginning of December -- I had even more, 5 accts reporting balances, and I had the score of 744. I understand that it is better to keep AZEO algorithm. But I do not need it right now, I do not need to have the highest possible score. My question is what is the real reason of dropping for 44 (!) points if nothing changed...
Obviously something has changed, you just haven't figured out what it is. As I stated earlier in this thread, you need to compare the before and after reports carefully to find out what. There is no way we can guess what the change(s) was (were). You have to figure that out.
Look at the age explicitly of all your tradelines and the AAOA / AOYA / AOOA. Actually really go through your entire report with a fine toothed comb compared to the last late December one.
The fact you got a reason code shift, Seeking Credit, which is explicitly tied to Inquiries suddenly show up months after you incurred them suggests you shifted scorecard and the inquiries were factored differently in your old scorecard.
Being rebucketed absolutely could swing your score that much. Those are the only 3 reason codes you've had? Ignore the positive ones in green on Experian's site.
@Paranoid wrote:Thank you all for the answers. I went through my entire reports, both from Dec 2018 and Jan 2019.
The ONLY differences are:
AAOA has changed from 1 year 1 month to 1 year 2 months;
AOYA has changed from 3 months to 4 months;
AOOA has changed from 2 years 11 months to 3 years;Still 6 accounts opened;
Still 0 Late Payments/Collections/Negative Public Records;
Still 5 % Revolving Utilization;
Still 6 Inquiries in Last Year;Even more, on the Score Ingredients tab I can see:
Payment history is still EXCEPTIONAL;
Amount of debt is still VERY GOOD;
Lengh of credit history is still FAIR;
Amount of new credit has changed from POOR to FAIR;
Credit mix is still VERY GOOD.So it seems that all ingredients according to experian remain the same except one, which even improved.
During the whole 2018, I had only 2 negative reasons: Short Account History and No Loan Activity. The only additional reason code I have in January report is "Seekeng Credit" with the explanation:
You've recently been looking for credit. Your applications for credit in the past year -- 6 inquiries. Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered due to the number of credit inquiries posted within the last 12 months. While being considered by the score, typically, the presence of inquiries on a credit file carries much less importance than late payments, the amount owed and the length of time credit has been established. About 70% of FICO High Achievers did not apply for credit in the past year.
But I haven't sought any new credit from the date of my last hard pull in September 2018 and the number if Inquiries did not change...
Do I have any chance to figure out the real reason? What else can I pay attention to?
My money is on the pink and maybe, possibly, on the green but I find that doubtful. 100% AOOA is a scorecard segmentation metric, and 3 years is a supiciously round and possibly good number from graduating from credit establishment (where inquiries are expected) to mature credit where suddenly inquiries aren't expected in numbers by the average consumer data set.
Again harping on the fact that your reason codes shifted, and suddenly those inquiries are counting, certainly sounds like a scorecard shift and it's probably on an aging factor for your file. @Thomas_Thumb you've looked more into scorecard segmentation than I have, your thoughts?
It is an incredibly intriguing datapoint to me anyway, thank you for sharing!