FICO increase

[QCS123]

One of my new accounts just hit the CBA's. My FICO scores all went up, but the difference in increase between the high and low is very large.  The increases were 18 (EQ), 13 (TU), and 2 (EX) points. Any idea why one would only go up 2pts versus the other two?

New Credit-Discover It $10,500

The other new account hasn't hit yet (only $1,000) on that new account

[DollyLama]

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@QCS123 wrote:

One of my new accounts just hit the CBA's. My FICO scores all went up, but the difference in increase between the high and low is very large.  The increases were 18 (EQ), 13 (TU), and 2 (EX) points. Any idea why one would only go up 2pts versus the other two?

New Credit-Discover It $10,500

The other new account hasn't hit yet (only $1,000) on that new account

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Sounds like there is either more on your EX reports or a lack of accounts on EX vs EQ and TU. I can be anything from a CC that only reports to 2 bureaus and not the other, an old closed loan or CC that has aged off. A charge off or collection on EX that is not reporting to the other two. Are you an Authorized User on any accounts?

The big bumps can be contributed to many factors, from a thin file to now the Discover being your 3rd CC, to the high $10k plus reducing your utilization to cross a scoring threshold and resulting in a nice score bump. 

We would really have to know more about the reports, is there more  or less accounts (open and closed) reporting on EQ and TU than EX? 

Do you know the average age of your accounts, the age of your oldest accounts, number of inquiries on EX vs EQ/TU. 

[Anonymous]

You definitely have differing information between your report on the different bureaus.  An identical event happening on all 3B at the same thing IMO wouldn't ever result in a 2 point change on one and an 18 point change on another, unless the information between the two isn't the same to begin with.  I'm not saying that the new information (account) isn't the same, just that the previous information likely isn't. 

Which bureaus were pulled (inquiries) for these new accounts?  When you have new accounts, often the differing information associated with them is the HP(s) you take to get them. 

Also, how frequently are you checking your scores?  Did you pull them before you applied for the new accounts?  Did you pull them after the inquirie(s) hit?  Did you pull them after the account reported?  You'd really need these 3 sets of scores for comparison purposes.  If you are missing any 1 of the 3 scores here, too much time elapsed allowing multiple factors to be at play throughout the process.

[QCS123]

The difference in reports is that Experian has me as a AU on a charged off account and is reporting it every month as late even though the last payment rec was in 2014. It is added into the credit utilized making my overall utilization for them at 85%, but the other two have me at less than 25% overall utilization. Other than that the reports are identical.

scores taken using reports pulled on myFico

Fico 8: …………………EQ  707    TU  683   EX 665 (01/13/2017)

Fico 8: ………….……..EQ  696   TU 665    EX 675 (12/28/2017)

HP's have not shown up on the reports yet, but i "think" EX was pulled for both new cards.

Average age of accounts 110 months.

oldest account 1979 (closed acct)

newest 2 last month.

[DollyLama]

Dispute the AU account as not yours with Experian