@Anonymous wrote:
I correlated the two because you would assume that when you are alerted to a change in your score it would be realted to the activity they are making you aware off.
I think you are still understanding this a little backwards. You aren't being alerted to a change in your score. You're being alerted to a change to your credit report which may or may not impact your score, depending on what that change is. Overall the point is the same though, that the event you're being alerted to and your score change are unrelated.
Allow me to provide 2 examples here of how you could see scoring changes that are unrelated to alerts:
1 - Suppose you have just one delinquency, a 90 day late payment that is 6 years and 11 months old. This lone baddie will fall off of your credit report next month. Let's say your score is 700 currently. Next month, the baddie falls off a couple of days before you receive an alert that one of your creditors has increased your credit limit. Perhaps you had a $5000 limit card that's now reported to be $6500. A new score is generated at the time of the alert. If that 90 day late payment was your only baddie, it's feasible that you'd receive a 50 point increase to your score. Naturally, someone may infer that this 50 point gain came from their CLI and then wrongly go on believing that increasing their credit limits will increase their score.
2 - Suppose last year on July 1st you went on a spree for 8 credit cards, 5 of which resulted in HPs on TU. These inquiries will be on your credit report for 2 years, but are only scoreable for 1 year. Say this year on July 2 (366 days after your spree) you applied for a new credit card and were hit with a HP on TU. You receive an alert saying that there's a new inquiry on your TU report. What you don't see, though, is that yesterday you had 5 inquiries on TU become unscoreable. They are still visible, but are no longer impacting your score. Those 5 inquiries becoming unscoreable may have resulted in a 10 point gain to your score that you didn't see, where the new inquiry resulted in a 2 point loss. The net gain therefore would be +8 points. The alert however shows that you took on an inquiry, but you see your score go up 8 points. Clearly the 2 events in this example are unrelated.
These are just a couple of examples, but you get the idea of how an alert can be completely unrelated to a change in score.
