@FireMedic1 wrote:
No balance changes. Nada. All my cards report now. And I keep the same reported balance each month on 1 card. If whatever didn't show up on the other days pull. It will show on the 14th pull. Computer gave me a freebie the other day. It was my 10th account since DC. Didn't pass any thresholds. I suppose the 14th will give some kind of reason.
Did they do away with the reason codes associated with "Your FICO score changed" from TU?
If you open up the alert it should give the 4 reason codes or at least it used to... was arguably the best part of the service for those trying to figure out the small idiosyncratic changes like what you're talking about.
@Revelate wrote:
@FireMedic1 wrote:
No balance changes. Nada. All my cards report now. And I keep the same reported balance each month on 1 card. If whatever didn't show up on the other days pull. It will show on the 14th pull. Computer gave me a freebie the other day. It was my 10th account since DC. Didn't pass any thresholds. I suppose the 14th will give some kind of reason.Did they do away with the reason codes associated with "Your FICO score changed" from TU?
If you open up the alert it should give the 4 reason codes or at least it used to... was arguably the best part of the service for those trying to figure out the small idiosyncratic changes like what you're talking about.
No they got rid of that. Just shows who the inq is from. So before the 3B pull. Approved 04/28. One point gained for the HP. Then the 3B pull was done 05/05 loss 1 pt for new account on new updated dashboard. Got alert today -3 pts.on EQ for new account. Back to TU.
Lost 9 points 6 months ago from oldest account fell off. 20 yrs to 11yrs. And that cut a yr off AAoA. Amount of new credit shows 1 month (PayPal). Next oldest is BB&T at 9 months, and Disco turns a yr old in 3 days. Util 1%. Total accounts now 15. 1 30 day late 5yrs 11 months.
And finally:
No the one you have highlighted in that (the 741->742), expand it with the +; there used to be reason codes there.
@Revelate wrote:
@FireMedic1 wrote:
No balance changes. Nada. All my cards report now. And I keep the same reported balance each month on 1 card. If whatever didn't show up on the other days pull. It will show on the 14th pull. Computer gave me a freebie the other day. It was my 10th account since DC. Didn't pass any thresholds. I suppose the 14th will give some kind of reason.Did they do away with the reason codes associated with "Your FICO score changed" from TU?
If you open up the alert it should give the 4 reason codes or at least it used to... was arguably the best part of the service for those trying to figure out the small idiosyncratic changes like what you're talking about.
1. Yes @Revelate they still give you your FICO 8 reason codes in the TU score change alert.
2. No they have absolutely nothing to do with the score change referenced in the alert. Just like all MyFICO alerts the contents of the alert are not connected to any score change referenced in the alert.
E.g. I recently had one that was -4, and then a few days later got one that was +4. The reason codes in each were identical and in the same order.
@SouthJamaica wrote:
@Revelate wrote:
@FireMedic1 wrote:
No balance changes. Nada. All my cards report now. And I keep the same reported balance each month on 1 card. If whatever didn't show up on the other days pull. It will show on the 14th pull. Computer gave me a freebie the other day. It was my 10th account since DC. Didn't pass any thresholds. I suppose the 14th will give some kind of reason.Did they do away with the reason codes associated with "Your FICO score changed" from TU?
If you open up the alert it should give the 4 reason codes or at least it used to... was arguably the best part of the service for those trying to figure out the small idiosyncratic changes like what you're talking about.
1. Yes @Revelate they still give you your FICO 8 reason codes in the TU score change alert.
2. No they have absolutely nothing to do with the score change referenced in the alert. Just like all MyFICO alerts the contents of the alert are not connected to any score change referenced in the alert.
E.g. I recently had one that was -4, and then a few days later got one that was +4. The reason codes in each were identical and in the same order.
The point is to see if there is a change in the reason codes which often is indicative of a scorecard shift or at least what scorecard one happens to be on or other major changes.
I'm aware that balance twiddling doesn't do much to reason codes, nor do all aging metrics, but when you see something strange, if you can get reason codes, do so.
Heaven. My AAoA never went below 36 months. That where it stopped. In a few days we'll see what comes up then once this account settles. I know it's all against what we are used to. That's why I started the thread.
Well Rev. Got the new 3B today. And it sticked. Gained 1 point for the HP and lost that 1 point for the new account. All the screenshots didnt change. Same stats. Just add 1 month to them. Score sits at 742. I've scoured present and past reports to try and figure out why there wasn't more of a decrease in score. But I cant find anything. I'm not complaining at all. I'll take it. So PP is 1 month, BB&T 9 months and it still said Good for new accounts. So figuring out TU is still a mystery. Thanks all for the input. Card arrived the other day. Took until today for the account to show up on PP after applying 4/28. Speedy service! 