Just can't uderstand fico

taxi818 · ‎06-30-2015

When I funally think I have it figured out. Some things never makes sense.

All 3 of my reports have the exact same information.

Yet on the same day. 2 reports. The score goes down. And the third. The score goes up. How is this possible?

Ex and eq both have 17 inquiries. Scored exactly the same. 701. Tu has 8 inquiries. 25 points higher ok.

So why when my util goes to 9% does ex rise to 705. Tu down to 721 and eq down from 706. To 701 makes no sense what so ever. I give up. Will just pay. Use. Wash rinse and repeat. Let scores be wherever.

NRB525 · ‎06-30-2015

Well, the files aren't exactly the same. With that many inquiries, there is likely at least some timing difference in how they are aging.

My scores were within 5 points of each other when I started here, because I had not done much apping over the prior two years, and the timing of them weighted them roughly equal.

After going through 8 apps with varying degrees of success and several new accounts, the scores were as much as a 34 point range in February.

Now that I've stopped apping for two months, and more importantly my utilizatiion is hitting new lows, all of them are climbing again, but still 18 point range.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎06-30-2015

My scores have never been the same. Inquiries all different also. My score took a drop to when I added those new accts. Recently, they don't seem to have any effect. Scores are still creeping up. I did just leave 4 reporting a balance this month. Trying to get my scores up a bit higher when these are reporting 1%.