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My TU score increased +15 points yesterday and did not give a reason it just gave the "your fico increased...." message. Then this morning it dropped 15 points so now i'm back to square 1. The decrease also gave the generic "your score decreased..."
Can anyone tell me what this might mean? Usually there is a reason for an increase or decrease in points. Thanks
The only scoring factor that can flip-flop like that, generally speaking, is utilization.
The point increase/gain that you referenced is pretty typical of all of your revolvers reporting zero and then allowing 1 to report a small balance.
Are you able to see copies of your credit reports from the two different days to compare them, or are you just provided with FICO scores?