Those are both minor changes.
I would say say the drop is because of a new INQ and brand new account. Which is ok
the increase could be because you didn’t previously have an installment loan on your file
no big deal either way if you just got $50k and a less than 10pt move either way
These were the two alerts from myFICO in my fico 8 scores.
Another thread where the OP wrongly assumes that the alert reason must be related to the score change.
MF, please do something about this. It's getting worse as this is probably the 5th or 6th thread in 2 days.
Each alert explained why the score changed. And they were both for the same reason.
If not, that then what is it?
Go to the alert.
Click the "Learn more" link.
You will see MyFICO's explanation that the alert and the score change are not connected.
Each alert explained why the score changed.
Alerts don't explain why the score changed. That's the major misunderstanding that you've got here. But, you're not alone. There are literally hundreds, probably thousands at this point of confused members that have been mislead due to the way MF presents their alerts/score changes. If I were you I'd voice my concerns to MF, a product you're paying for about this misleading presentation.