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Experian Fico 8 increase and decrease for CU drop

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Regular Contributor

Experian Fico 8 increase and decrease for CU drop

They giveth and then they taketh away. My Experian FICO 8 score goes up 9 points to 778 a couple of days ago when my Citi AAD reports a decrease in my utilization from $508(5%) to $401(4%). However, it just dropped 5 points to 773 when my CSP reported a decrease in my utilization from $368(7%) to $277(5%). How can this happen? What am I missing? 

 

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Super Contributor

Re: Experian Fico 8 increase and decrease for CU drop


@joeyv1985 wrote:

They giveth and then they taketh away. My Experian FICO 8 score goes up 9 points to 778 a couple of days ago when my Citi AAD reports a decrease in my utilization from $508(5%) to $401(4%). However, it just dropped 5 points to 773 when my CSP reported a decrease in my utilization from $368(7%) to $277(5%). How can this happen? What am I missing? 

 


Neither the score gain nor the score drop were related to either of those utilization changes.

 

I don't know what you're missing, but one would need to examine the before and after reports to tell you that.


Total revolving limits 653000 (575000 reporting)

Message 2 of 3
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Regular Contributor

Re: Experian Fico 8 increase and decrease for CU drop


@SouthJamaica wrote:

@joeyv1985 wrote:

They giveth and then they taketh away. My Experian FICO 8 score goes up 9 points to 778 a couple of days ago when my Citi AAD reports a decrease in my utilization from $508(5%) to $401(4%). However, it just dropped 5 points to 773 when my CSP reported a decrease in my utilization from $368(7%) to $277(5%). How can this happen? What am I missing? 

 


Neither the score gain nor the score drop were related to either of those utilization changes.

 

I don't know what you're missing, but one would need to examine the before and after reports to tell you that.

 

They're so similar. Nothing new on my Credit Report. Frustrating. 


 

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