Mystery auto score drop

[Zoostation1]

Happy Independence Day!

So I know they're older scores, but I pay attention to every detail when I get my monthly 3B report, even when it's inconsequential.  Yesterday, when i got my 3B pull I noticed that my EX2 Auto dropped 6pts and I can't find a logical explanation for it.  If anything I would have expected it to either stay the same or rise based on what reported.

June pull: 3/7 cards reporting (Savor 7%, VX 11%, Cash Rewards+ 9%), 6.7% overall utilization

July pull: 2/7 cards reporting (Savor 6%, VX 14%) 5.8% overall utilization.  BCP had a statement balance this month (I swapped letting NFCU report last month), but hasn't reported yet on any CRA (it's never taken 2wks for this card to report before).

In theory, with lower utilization and and a lower percentage of cards reporting it shouldn't be dropping.  Regular EX2 didn't move and EX3 was +1.  This was the only score on my report that dropped.  I know the 5,4,2 auto scores aren't used as much these days and I'm not in the market for another vehicle right now so it doesn't really matter much, but I really want to figure out what the heck caused the drop.

[CreditBob]

Upon reading your post, I have some thoughts for you. Did any older account reach it's 10 year reporting mark & then was deleted from your credit report? Did you payoff an installment account & have no type of loan that is being reported? Did you have any hard inquiries and or opened any new accounts? The credit cards that have a zero balance, are you using them so they do not report as being an inactive trade line?

If it were me, here is what I would do and is based off of what you are stating on this post. 

1. Have both an open installment account with your revolving trade lines so that you have taken care of the credit mix.

2. Use paid off credit cards so that there is activity on them. You can also immediately pay them off. Show that they are being used.

3. Have one credit card out of the seven with a 1% utilization. Add all your credit limits together & times by 1%. Leave the 1% balance with the card that has the highest credit limit.

https://www.myfico.com/credit-education/faq/negative-reasons/why-is-my-fico-score-dropping

https://www.youtube.com/watch?v=rt4PcrYpfXw

https://www.youtube.com/watch?v=M53wNlq6sro

[Thomas_Thumb]

Some think CRAs may have 2 sets of books. One used for score pulls and the other visible for viewing. The data is the same except ... The 2 books may receive\process data updates at different times.

Years ago I saw a huge drop in Auto EX score 2 (49 points). Primary cause was closure of my mortgage. However, Auto EQ score 5 increased 20 points. Why? Data from 3B reports pulled 3 weeks apart, 11/6 and 11/30. Score changes varied considerably by CB and Fico algorithm. Many changes can be explained, but a few remain a mystery.

See table in link below.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-low-will-my-scores-go/m-p/6195504#M1...

[Zoostation1]

@CreditBob I don't have any accounts that just fell off nor have I had an installment loan recently.  The last remaining account from before my BK7 was a student loan that fell off my reports in January 2022.  I have an all revolver credit report with my oldest account being a Discover Chrome that was opened in Nov 2021.  My last hard pull was in February and on TU only when I opened up my most recent card.  I'm 1/12 for HPs on TU and 0/12 on EX and EQ.  I know I could probably gain a few points by letting only 1 card report, but I don't even bother with the AZE1 game anymore.  I did earlier in my rebuild, but now I let the 3 of my 7 cards that are my core daily setup report balances naturally.  As long as I don't exceed 50% of accounts reporting a balance what I lose is trivial if anything on most scores.