My journey in the 800 fico score range only last about 2 weeks with Transunion. I applied for a Marriott Chase card and was approved for $13.5k. Today I get an alert from the Fico android app that transunion has detected a new account with balance of $237 and my points dropped by 27!!
This sucks, I wonder how long it will be until i get back up there.
Any tips for me?
no other changes
old score 810
If the TU went to 810 and was only there for 2 weeks, that implies a fairly volatile score. What was the trigger to jump 11 or more points to get to the 810?
How consistently do your cards report balances? Did you go from 4 of 4 reporting anything to 1 of 4 reporting anything?
Oldest card age?
AAoA? How was AAoA affected by this new card, since it looks like you have only 4 prior?
Utilization and consistency of utilization percentage?
I have 6 cards in total now. My oldest is a discover card at 10 years as well as a JCP card that has been upgraded to a MasterCard recently. JCP upgraded me without me asking but in my CR it doesn't show as being 10yr old because of being purchased by other lenders.
On Nov 30 my score jumped 14 points avoiding to the app and under reasons i get 4 red circles saying "You have too few credit cards, too many accounts showing balances, you've recently looked for new credit, and you haven't established credit long enough."
This trigger was 2 days after i got approved for the chase card so i thought my points had increased because of the recent inquiry. This 14 point jump got me to 803 and a few days later got an additional 7 point jump.
This is the reason why I'm a little confused, i thought TransUnion had already detected the chase account but today's alert says a new account has been added to your report. I took a smaller hit with experian as they only took away 12 points.
I think my AAoA is 6 years, how do i know for sure?
Utilization... Not even 1% on a single card & overall.
On Nov 30 my score jumped 14 points avoiding to the app and under reasons i get 4 red circles saying "You have too few credit cards, too many accounts showing balances, you've recently looked for new credit, and you haven't established credit long enough."
This trigger was 2 days after i got approved for the chase card so i thought my points had increased because of the recent inquiry. This 14 point jump got me to 803 and a few days later got an additional 7 point jump.
This is the reason why I'm a little confused, i thought TransUnion had already detected the chase account but today's alert says a new account has been added to your report. I took a smaller hit with experian as they only took away 12 points.
I think my AAoA is 6 years, how do i know for sure?
Utilization... Not even 1% on a single card & overall.
I should have added more information about the JCP card. It was earlier this year or may be even late last year so i didn't mean recent like a few weeks ago or something. I also had my best buy card change lender like ^^^^^^^ you mentioned. I just hope I'm able get back up to 800 within 4 months. This really is a roller coastal game, isn't it?
tja... the dropp in AAoA is an enemy for 800+ scores.. same for me ...800 score possible with AAoA of 6+ years on my profile but no longer in reach with less than 4 years so keep gardening and it will get you back up 
... on the bright side 760+ Fico scores will not make any difference in real life ..lol.. rather have nice new cards than 800+ Fico if I have to choose !
Just got another alert this morning, Equifax dropped my points by 6 points because "A new account has been added to your credit report".
I guess some CB don't mind new accounts like others.
Also, on Nov 29, Experian dropped my points by 7 because "An account listed on your report has been updated". The update was Discover doubling the limit to a little over $10k, I had no idea a CLI would drop my points even though the balance did not increase at all.
These past 2-3 weeks have been to harsh on my scores. Time. To. Enter. The. Garden!!
How do you get your sig cards to show info when hovering over them?
@DU556 wrote:Just got another alert this morning, Equifax dropped my points by 6 points because "A new account has been added to your credit report".
I guess some CB don't mind new accounts like others.
Also, on Nov 29, Experian dropped my points by 7 because "An account listed on your report has been updated". The update was Discover doubling the limit to a little over $10k, I had no idea a CLI would drop my points even though the balance did not increase at all.
These past 2-3 weeks have been to harsh on my scores. Time. To. Enter. The. Garden!!
The FICO 850 score is representative of "No Risk of Default". In order to get to 850, one must pay off nearly all debt, keep accounts stable, and do as little as possible to raise the risk of default.
From the comments here, it seems that once you go over 800, getting closer to that "no risk of default" score of 850, and if the file is marginally getting 800 due to AAoA and such, that any new shocks to the calculation, such as taking on two new credit cards in a year (even if one is not really new to you), looks like Risk Of Default indicators to the score.
So you can either be happy at being above 760 and go for the cards that you want, or stop apping and let the cards age to keep inching up to and then beyond 800. For the next XX number of years it takes to get to 800. Utilization is already under control for the OP, so at this point, no apps and age are the ONLY things that will allow the score to continue to rise.
For me, I'd rather just have a high 700's score and get the bonus earnings from new card apps, strategically applied for.