So over the past few months My Tu has fluxuated Wildly
At the Lowest point it was 675 in January
Today it is the Highest it has ever been TU08 743 and just keeps climbing (My Fico as of 6/4) Discover Just Updated my TU08 and shows 767 (6/5)
I gained 20 Points for opening a new Fixed Line, I gained 10 for new lines that were opened. I am guessing I was on the border and the new installment kicked me up a bucket.
My Stats:
15 Bank Cards
1 LOC
1 Store Card
1 Car Loan
1 Fixed Personal Loan
8 Inq (6 Less than 6 Months)
Oldest Card 8.5 years
Oldest account 9.6 years (Car Loan)
AoAA 4.7 years
No Derogs
Util - Flucuates I dont play the 1% Util game. My total Util is 21% and ranges between 10-30% ( I let statments post than PIF and never over extend)
I am really stating to enjoy the game of Fico Scoring. It is like a drunken chess match 
Fluctuation? Hehe, you ain't seen nothing! 
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen 
?
@Aarvard wrote:
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen
It's the MyFico Revenue Generation Program. They send an alert and drop the score, so I buy a new report to see what happened.
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen
It's the MyFico Revenue Generation Program. They send an alert and drop the score, so I buy a new report to see what happened.
Haha!
Still think that's a bug.
@Revelate wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen
It's the MyFico Revenue Generation Program. They send an alert and drop the score, so I buy a new report to see what happened.
Haha!
Still think that's a bug.
Yeah, I actually also think it's a bug. MyFico isn't the only place it happens. My Barclays score matches the low ones here, but my Discover score matches the high ones. That tells me that the bug is coming from TU. Yesterday I hit up one of those online credit consolidation banks who happens to pull TU. They denied me for too many inquires, but provided the score. Same 787 as my last purchase here.
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen
It's the MyFico Revenue Generation Program. They send an alert and drop the score, so I buy a new report to see what happened.
Haha!
Still think that's a bug.
Yeah, I actually also think it's a bug. MyFico isn't the only place it happens. My Barclays score matches the low ones here, but my Discover score matches the high ones. That tells me that the bug is coming from TU. Yesterday I hit up one of those online credit consolidation banks who happens to pull TU. They denied me for too many inquires, but provided the score. Same 787 as my last purchase here.
Indeed, that's the case with my busted EQ tradeline too, looks right on the bureau but everywhere else I can check has it wrong. Doesn't appear to be affecting my score though.
I'd actually be worried about that with TU in your case as I've always thought the score was reference from the bureaus even here on MF and Barclay's is what's actually being pulled by the lender in the Open Access program and that sounds like a real problem rather than just a minor software glitch like mine. Something isn't right there.
@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:Fluctuation? Hehe, you ain't seen nothing!
How did it happen
It's the MyFico Revenue Generation Program. They send an alert and drop the score, so I buy a new report to see what happened.
Haha!
Still think that's a bug.
Yeah, I actually also think it's a bug. MyFico isn't the only place it happens. My Barclays score matches the low ones here, but my Discover score matches the high ones. That tells me that the bug is coming from TU. Yesterday I hit up one of those online credit consolidation banks who happens to pull TU. They denied me for too many inquires, but provided the score. Same 787 as my last purchase here.
Indeed, that's the case with my busted EQ tradeline too, looks right on the bureau but everywhere else I can check has it wrong. Doesn't appear to be affecting my score though.
I'd actually be worried about that with TU in your case as I've always thought the score was reference from the bureaus even here on MF and Barclay's is what's actually being pulled by the lender in the Open Access program and that sounds like a real problem rather than just a minor software glitch like mine. Something isn't right there.
It did worry me at first, but every creditor pull for apps I've had since this started has produced the correct clean file and high score. eBates and Sallie Mae in April, Lending Club in March, PayOff.com yesterday.