You can count on it! I will post updates through AZEO. Great guess by the way, I'm pretty certain your range would have nailed it if all had updated equally.
@Thomas_Thumb wrote:Too bad on the TU and EQ not showing the total paydown. I'm sure all your scores would have reached 740+.
If you are able, please add a post with your scores showing results with AZEO. I am going with a 770 - 780 estimate - unless you open up a new account between now and then.
Outstanding! Congratulations on your nice score increase. Makes that two and a half year uphill climb worth it! I am looking forward to see your updated scores next month. Keep up the fantastic work! 
@dytch2220 wrote:You can count on it! I will post updates through AZEO. Great guess by the way, I'm pretty certain your range would have nailed it if all had updated equally.
@Thomas_Thumb wrote:Too bad on the TU and EQ not showing the total paydown. I'm sure all your scores would have reached 740+.
If you are able, please add a post with your scores showing results with AZEO. I am going with a 770 - 780 estimate - unless you open up a new account between now and then.
Just to give closure on the first game, the other bureaus updated to match.
748 EQ, 749 TU, 746 EX
Average 747.6 = 748
@Thomas_Thumb wrote:Appreciate the update.
Looks like your score increased 52 +/- 6 points depending on the credit bureau. Based on the data, it appears that all three CBs likely show the same accounts and account ages. If so, your profile is a great candidate for evaluating different score behavior among EQ, TU and EX. Inquiries (except for mortgages) are often credit bureau specific. Is your most recent hard inquiry greater than 12 months in age?
No, I have multiple inquiries in Nov '22, Apr '22 and one in Mar '22.
@Thomas_Thumb wrote:Are your INQs spead somewhat evenly across the CBs or primarily on one? It would be interesting to see INQs under 12 months by CB. The INQs will impact scores a bit but not fundamental behavior of the Fico model with one possible exception:
Based on my profile, the older Fico "mortgage" models appeared to react more strongly to # accounts with balances when there was a new hard INQ under 12 months age vs no hard INQ under 12 months. I observed a change in sensitivity on EQ score 5 and TU score 4 before/after receiving a single HP for a CLI - no new accounts.
- a new account under 12 months that reports on all CBs should affect sensitivity on all CBs even though the INQ may show on one CB.
More new accounts do not magnify sensitivity. It's either you have something under 12 months or you don't
- Note: I saw no change in score sensitivity to # cards with balances relating to a new INQ on the Fico 8 or Fico 9 models. I have not had a new account in many years so, I can't speak to that from my data. However, other poster data suggests a new account likely does influence sensitivity to both # cards and utilization.
Here are my scoring insights and inquiries. The insights match across all with the exception of AAoA, which is 3y 0m on EQ and EX. I do have a recent account opened in November, the G/S Apple card.
P.S. - I did see another score increase due to debt paydown which applied on 12/22/2022. I'm not going to post it yet though so as not to influence the guesses of any newcomers to the guessing game.
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