I'm subscribed to EX credit works premium and get updates daily. All of my accounts report between the 26th and 5th of the month. No off cycle in December.
On 12/11 my report showed:
FICO BASIC 8 at 795
AUTO 8 at 814
BANKCARD 8 at 816
on 12/13 my reports showed all "8" scores increased by 4. MTG and other versions did not change. I don't receive FICO 9 scores.
I scrubbed my report and no changes to balances, age of accounts*, etc. No known thresholds for inquiries either. So I reviewed the date opened on accounts* and the only account opened between the 11th and 13th of a month was a CC that hit 2 years on 10/12. AoYA 5Mo. I know age is suppose to be effective the 1st of a month.
Does anyone know if this could be a factor for the 8 version scores or any other reason I may be overlooking?
Thanks for any insight you provide.
EX literally marks all open dates as the first of the month, I don't think your actual open date is anywhere in the dataset.
As a result I suspect it was something else, I don't know what it would've been though.
Any reason code changes? There are some small movements in scores that we honestly don't really know what the trigger is, and I think a good sanity recommendation is don't sweat the small score changes, they're basically immaterial and keep focusing on the big credit picture.
Thanks Revelate. I noticed the open date on my EX reports all show the 1st and that age factors are suppose to take effect the 1st of the month. With that in mind I agree but I reviewed my 12/11 and 12/13 reports side by side and checked things off and it doesn't show any change. So it left me wondering if there is something behind the scenes with 8 versions. I'll keep searching for other explainations.