Meh, called this one exactly unfortunately. Will update the main long running thread but this deserved it's own entry for easy finding.
This is just Equifax data where my mortgage finally reported, TU doesn't have it yet and there's no need to burn an Experian pull as it's astonishingly clear what happened, even the size of the change was nearly exact.
One of the FICO reason code explanations back in the #3 slot again: The remaining balance on your mortgage or non-mortgage installment loans is too high.:
Stupid Excel data but this is installment utilization going from 9% -> ~99%, and as usual all my FICO 8's got whacked and my FICO 04's didn't move a darned bit. Note language, FICO 04 = Beacon 5.0 = FICO 5 in myFICO's interface.
| Equifax FICO scores | 7/4/15 | 10/3/15 | 10/8/15 |
| FICO 8 | 725 | 722 | 701 |
| FICO 04 | 693 | 693 | |
| FICO 8 Auto | 728 | 711 | |
| FICO 04 Auto | 692 | 690 | |
| FICO 8 Bankcard | 742 | 709 | |
| FICO 04 Bankcard | 720 | 720 |
Associated reference data: 2/13 cards reporting a balance (and saw no change going from 1->2 just like on 2/9, stayed at 722) utilization <1%.
Full thread for reference: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/...
