@Cblough93 wrote:My scores just reset on 9/1 and today I got an alert that My scores dropped today,
10 points for tu and exp and 20 points for eq.
i recently applied for 2 new accounts but the hard pulls had already shown up on my accounts and I already lost some points for those.
When I first saw the alert I assumed one of my new accounts showed up on my report and lowered my average age of accounts but when I logged in nothing changed. The inquiries and average age of accounts were all the same so I don't know if it's a little delayed or what?
in your experience does your score drop first, and then the related information shows up after the fact?
Unless you (a) know the date the score changed, (b) can view the report from the day of the score change, and (c) can view the report from the day before the score change, you can't determine what data change caused what score change. And even with that information you can't be sure, if there were multiple data changes on that same day.
In response to your question "does your score drop first, and then the related information shows up after the fact?" the answer is no, the score changes exactly when the new information is reported.
With TU and EQ I would almost never know what day the score actually changed, and wouldn't have the 2 relevant reports in hand to review.
With EX, where I have daily updates of both the report and the scores, I can often be fairly certain as to what data change caused what score change, but if there were multiple data changes on the same day the score changed, it's much harder, and maybe impossible, to figure it out.
When you say you "logged in nothing changed", if you're talking about logging in to your MyFICO data, you didn't log in to fresh data, you logged in to the stale data from the last time you pulled your reports.
Plus, you don't really know when the score changed. It may have changed days before you learned of it.
As to your specific scenario, it is likely that the addition of 2 new revolving accounts caused the score drops.
