My EQ has been stuck at 673 since 12/8/13...I am wondering the same thing. EX dropped TU rose, balances changing, new accounts and EQ remains. I recently paid all cc bals to 0 except navcheck. I'm thinking I may see a bump when my amexs and cli report.
012019 Fico8/Mortgage Score: 
@toi34 wrote:I have received Score Watch notifications between January 2 - February 10th; the alerts have been for a combination of *account balance decreases, *account balance increases, *new accounts and *inquiries....yet, through all of this my credit score has gone unchanged. What gives....am I in a bucket?
AFAIK, each and every change in a CR should bring about some score changes, even if it's 1 point. It would be a hell of a coincidence if all the changes canceled each other out before the score adjusted. The best of luck to you.
@indiolatino61 wrote:
@toi34 wrote:I have received Score Watch notifications between January 2 - February 10th; the alerts have been for a combination of *account balance decreases, *account balance increases, *new accounts and *inquiries....yet, through all of this my credit score has gone unchanged. What gives....am I in a bucket?
AFAIK, each and every change in a CR should bring about some score changes, even if it's 1 point. It would be a hell of a coincidence if all the changes canceled each other out before the score adjusted. The best of luck to you.
It doesn't. Many things in the FICO algorithm are graded on a step function: vis a vis the difference between 2 vs. 3 cards out of 8 reporting a balance can be zero.
Likewise the difference between 13% and 14% reported overall utilization is likely zero for everyone, and in my case that range goes all the way up to at least 27% by my testing.
Similarly inquiry taking vis a vis Swapmeet's example: to give a simplified example your first inquiry you take damage, your second you do not, your third you do, your fourth and fifth you do not, and so on. There's a breakpoint somewhere when adding an additional inquiry or a even a slew of inquiries will not move your score in the slightest: you're effectively already the most negative you can go in that category.
Same thing for AAoA, anything <2 years = 1 year; then there appears to be a 2-5 year range which we've seen bandied about both on the forum and in some more recent credit report pull information (though from third parties not certain it's any better than our own anecdotal information).
So end of the day, small changes can sometimes make no difference in your credit score; however, there are other times even over extended periods where you won't get anything at all: I was stuck at 660 for 7 months last year before some of my tradelines ticked over an age boundary apparently and then I started moving upward again (until my silly tax lien but such is life).
If someone really wants to see a change badly, let a maxxed out tradeline report 
I bounced from 660 -> 646 -> 660 -> 646 -> 660 for giggles and testing purposes.
@Swapmeet wrote:To qualify my situation, Revelate, I did plan my spree intricately. I waited to add an inq until one hit a year old, so I didn't actually add any more inqs under a year old than I already had. So not losing any points on inqs didn't surprise me. What surprised me was my AAOA going from about a 6.6 down to a 5.7 without a score change.
The range I've seen bandied about is 2-5 years on AAoA; I've long thought that anything above 4 years ia gravy but it could be 5 years for all I know anecdotally. It doesn't surprise me in there being no difference between 5 vs 6 years (once you round down) in an AAoA calc: almost everything has diminishing returns as you move farther out along any given FICO measurement axis, and as inquiries are graded on a step function, likely other things (tradeline seasoning, AAoA) are as well. Probably derogatory damage impact for that matter too, that would tend to explain while scores flatline so often assuming balances / number of tradelines reporting a balance remain pretty much identical.
My theorizing anyway on FICO's implementation.
For me Fico score changes ONLY with the number of accounts reporting a balance. Overall util 1-9% does NOT trigger a score change but an account with a 1$ balance will 
...this is such a nonsense but nice to know before an app spree to really make sure to pay all but 1 account to 0 and let it report that way. It makes a difference of 40 points for me ...easy way for me to jump the 800 mark with a small manipulation like this.
