DW get a monthly FICO TU score with Discover, she match CK check to same day.
October:
- 7 cards with balance
- 4.89% util
- Vantage 3 = 768
- TU FICO = 799
November:
- 9 cards with balance
- 4.86% util
- Vantage 3 = 770
- TU FICO = 800
December:
- 6 cards with balance
- 2.81% util
- Vantage 3 = 775
- TU FICO = 793
My guess is that the combination of I and AU cards reporting and/or her store card that reported $0 in Oct/Nov and now it reported a balance, changed the TU FICO.
