Can anyone help me understand.....
I started using My Fico recently on 04.06.16, my FICO 8 scores from my 3B report were:
Equifax 656 now it's 676
Transunion 658 now it's 671
Experian 673 now it's 686
Which I have been getting alerts it's going up so thats great..
My Fico 5 score via Equifax was 586, I pulled it again on 04.18.16 and it was 579
My Fico 4 via Transunion was 609 when pulled again was 605
& My Fico 2 via Experian was 610 now 599..
I don't understand how my FICO 8 scores are going up however my older version's are going down?? Thoese are the one's I need to go up.... Sooo frusturated 
I was soo close to being able to qualify and now I feel like I'm being pushed the opposite direction.
Any help/suggestions/info is appreciated very much..
Honestly I'd need to look at a before and after to be able to really pull anything meaningful out of it.
What actions have you taken so far? The path to optimizing both FICO 8 and the mortgage scores are identical, with the exception that installment utilization is only a factor on the Experian Risk Model v2 score on the mortgage trifecta, the other two flatly ignore it.
@Anonymous wrote:So the only thing I have done that I can think would have decreased is.... My husband has a credit card through capital one that he has had for just under 2 years and our lender thought it would be benifical for me to be added as a authorized user to his card however this brought my utilization from under 10% to about 25% so I got all his great payment history for that account (he has never been late on a payment, or I should say I have not because I pay the bills) however it now looks like I have more debt. Should I not have done that ane maybe delete myself as a authorized user?
Probably not from the sounds of it; what was your Average Age of Accounts before the AU and did you have at least call it 3 tradelines on the report?
What I would suggest is this: post as much of your report data as you can:
Credit cards: open date, current balance, credit limit
Installment loans: open date, current balance, original balance
Negatives: what type, when occurred, current status if any.
We can give you some advice based on that information on optimizing your score in the short-term. My experience and the experience of many others anecdotally on this forum is that we can give you far better advice than even some of the best LO's typically in terms of FICO maximization.
I have a feeling I know the answer & that's time for the negatives to go away but that's 7 years...... I know I hit a bump and screwed up and now I'm definitely paying for it I had just had a baby and had to have emergency surgery about 2 weeks after giving birth. Definitely a hard lesson learned.
I had just had a baby and had to have emergency surgery about 2 weeks after giving birth. Definitely a hard lesson learned.
@Anonymous wrote:
I have a feeling I know the answer & that's time for the negatives to go away but that's 7 years...... I know I hit a bump and screwed up and now I'm definitely paying for it
Pretty much; with a bunch of recent negatives unless you can goodwill them off you're a bit stuck unfortunately. If you pay off one of the two credit cards with balances you may gain a few points.
@Anonymous wrote:So my FICO alerted me today that I paid a credit card off I used my Cap 1 card and charged $122 over the month and paid it off over a week before it was due. My credit scored dropped -16 points... How is this? Because the FICO 8 score dropped does that mean the others did also? This is so frusturating.
Not necessarily; question, how did you get the 3 collections removed? If it was via the dispute process all bets are off on score as it can up and discount entire tradelines from the algorithm. Basically if you dispute, just let them work through the process.
When there are a bunch of changes all in a short time period it's difficult to point at any one thing (even with me and my obscene familiarity with my reports), and it is unlikely to have been the paying off off the CC's (assuming you have at least one still reporting a balance which I'm pretty sure you do from your earlier post) was a negative: something else changed and the resultant score simply was triggered by the alert.