It keeps growing

[MrTom]

I am trying to figure something out.  I am very stumped

Good habits have been making my credit sore to take off like a rocket ship.

I thoght when you apply for a loan, your score would go down.  I applied for a car loan on Saturday and FICO 8 was at 832.  834 is what my Auto 9 came in at.

The next morning, the hard pull was the only thing that changed on my report, but my FICO 8 score increased 7 points to 839.  Why would my score go UP from a hard pull?

[pizzadude]

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@MrTom wrote:

I am trying to figure something out.  I am very stumped

Good habits have been making my credit sore to take off like a rocket ship.

I thoght when you apply for a loan, your score would go down.  I applied for a car loan on Saturday and FICO 8 was at 832.  834 is what my Auto 9 came in at.

The next morning, the hard pull was the only thing that changed on my report, but my FICO 8 score increased 7 points to 839.  Why would my score go UP from a hard pull?

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There are likely other factors that caused the score discrepancy.   Look at the corresponding reports from both score pulls and see what changed - it could be account balances or something similar. 

[MrTom]

Nothing changed except for the pull. the day before an account balance updated and increased it by 1. 

[pizzadude]

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@MrTom wrote:

Nothing changed except for the pull. the day before an account balance updated and increased it by 1. 

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Increased what by 1 ?  The account balance ?  The number of accounts with balances ?

[MrTom]

On 12-16-23 my score updated by +1.  This was for a credit card balance reporting lower then the previous month.

On 12-16-23 I applied for an auto loan.  Dealer pull and GM pull.

On 12-17-23, my score increased by +7.  The only changes that happened were 2 hard pulls, no other account updates.

[BuckyB]

Too many variables, many are time-based as well.  Average age of accounts may have increased on that date, a certain amount of time may have passed since a certain inquiry, all sorts of things.

Credit scores have a lot to do with TIME.  As tradelines move through time, scores are affected.  This time isn't always calculated on the first or last of the month, from what I understand.

Even if it doesn't appear like anything is happening to your credit report, TIME is affecting everything on it.

[SouthJamaica]

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@MrTom wrote:

I am trying to figure something out.  I am very stumped

Good habits have been making my credit sore to take off like a rocket ship.

I thoght when you apply for a loan, your score would go down.  I applied for a car loan on Saturday and FICO 8 was at 832.  834 is what my Auto 9 came in at.

The next morning, the hard pull was the only thing that changed on my report, but my FICO 8 score increased 7 points to 839.  Why would my score go UP from a hard pull?

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It wouldn't.

[Kforce]

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@BuckyB wrote:

Too many variables, many are time-based as well.  Average age of accounts may have increased on that date, a certain amount of time may have passed since a certain inquiry, all sorts of things.

Credit scores have a lot to do with TIME.  As tradelines move through time, scores are affected.  This time isn't always calculated on the first or last of the month, from what I understand.

Even if it doesn't appear like anything is happening to your credit report, TIME is affecting everything on it.

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^^^^ This

and @SouthJamaica  is correct also.