So late last month I lost a point on TU8 in late March and couldn't figure out what it was from. My last TU HP (opened a new NFCU card) was on 2/23/25 and showed up on my 3B report on 3/3/25. I figured if it was due to the HP it should have been reflected in my 3B report then. 4/3 3B report stays the same with the 1pt lower score, but today exactly when I hit the 1yr mark on the last HP prior to it, I got a notification that I gained 1pt. This kind of has me wondering if there was some delay scoring updates. My reported balances have been in the same general dollar range and not crossing any of the known or suspected thresholds so I can't attribute it to that. The only thing I can attribute is that going from 2 HPs to 1 HP in the last 12 months is worth 1pt and that my TU8 score shown didn't reflect that until well after the HP was showing on my report.
Also, scoring wise, does the new account penalty for a new revolver only apply to the first one and not add on further score drops for the second? I received a notification of a score change from the experian app today. My new card is reporting and I was expecting a score drop from it, but instead have a 1pt EX8 increase. Also had increases on the other EX scores they provide (most significantly on EX3 where it was +16 to 719). I'm trying to figure out if that is from previous account hitting 1yr or if that's from falling below 50% of cards reporting. I've been at 3/6 for the last year and this now puts me at 3/7. I refuse to mess with AZEO unless I've got to squeak out points some sort of application.
Good morning, all...
I believe that there are far too many FICO versions these days. There is literally a version for every facet of spending. It's enough to drive you insane. On top of that, you can have identical data on each credit bureau report and have 3 different scores, which is another source of frustration. It's great having MyFICO around to vent...lol.
