Random score increase

[Anonymous]

I received a pleasant surprise yesterday when I got an email from both Creditsesame and Capital One that my TU score had gone up 17 points. I tried to figure out what caused it (so I can keep doing it) but there doesn't seem to be any obvious reason. I did recently pay off one credit card to 0 (it only had a statement balance of $14) and I opened two new cards (a cap one and NFCU) but those literally just were approved and aren't close to reporting I would think. The only other change is an increase in balance on a card which I didn't think would help my scores any.

:/ any thoughts?

[thornback]

Could be due to account aging - everything is 1 month older as of yesterday so you may have crossed an age threshold for scoring - though it's hard to say being that the increase mentioned is for your TU Vantage 3 score and not your TU FICO8 score - a Vantage increase doesn't mean FICO also increased.

Both Credit Sesame and Cap One offer Vantage 3 scores and, since those are not used by lenders to make credit decisions, we don't examine them as much and therefore, do not have a lot of data to determine what makes them change.

Do you know if your FICO scores increased?

[Anonymous]

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@Anonymous wrote:

I received a pleasant surprise yesterday when I got an email from both Creditsesame and Capital One that my TU score had gone up 17 points. I tried to figure out what caused it (so I can keep doing it) but there doesn't seem to be any obvious reason.

:/ any thoughts?

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Yes, ignore those scores.  They aren't FICO scores, so they aren't relevant or meaningful.  Many people report their VS 3.0 scores as being all over the place when report-changing events happen, so it's best to not look at them at all.  All that matters really is whether or not your FICO scores are changing.

[Anonymous]

Well my Experian score is the only one I am actually getting FICO 8 on right now also jumped about 14 points. I have the "Equifax Family Plan" for monitoring of accounts but that uses their own scoring model as well iirc.

[Anonymous]

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@Anonymous wrote:

Well my Experian score is the only one I am actually getting FICO 8 on right now also jumped about 14 points.

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That's a very meaningful score and one that you should constantly monitor. 

You can always get your 3 FICO 8 scores (all 3B), 3B reports and a handful of other scores with a $1 trial at credit check total. 

[Anonymous]

I decided to just sign up here. It would be nice to just track all 3 in one place constantly. Added scores to my signature