Experian Fico8 decrease then increase by same amount

[Anonymous]

When checking my Experian Fico8 score, I noticed that my score decreased 8 pts on 4/28 then increased 8 pts a few days later on 5/4. This seems like a big swing and still puts me at the exact same score as last month when I was hoping for an increase. No changes that I can tell on my report would explain the 8 pt drop or the 8 pt gain. At the very least, why wouldn't my score just stay the same? I'm glad I saw the increase at the same time as the decrease or I would have had a heart attack. 

While I'm content that the increase keeps me at the score I had last month, I'm still very curious why it dropped in the first place. Any insight would be appreciated. 

[SouthJamaica]

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@Anonymous wrote:

When checking my Experian Fico8 score, I noticed that my score decreased 8 pts on 4/28 then increased 8 pts a few days later on 5/4. This seems like a big swing and still puts me at the exact same score as last month when I was hoping for an increase. No changes that I can tell on my report would explain the 8 pt drop or the 8 pt gain. At the very least, why wouldn't my score just stay the same? I'm glad I saw the increase at the same time as the decrease or I would have had a heart attack. 

While I'm content that the increase keeps me at the score I had last month, I'm still very curious why it dropped in the first place. Any insight would be appreciated. 

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You would need to examine the differences between the 2 reports for each of the swings; there's probably something there.

[VanderSnoot]

I'd also add that 8 points is not considered a large change, even though at times this is enough to straddle a threshold and can be frustrating when you're clawing at every point you can get. There's no definition of large change, but generally anything under 20 points is small because the events that can trigger them are relatively routine: your reported balance goes up, an inquiry falls off. Big changes come from material events -- delinquency, bankruptcy, removal of derogs, maxing out a card -- and they produce large changes of 50+ points. Changes of 30-40 points are in the middle and may go either way.