I agree with 909, we all watch our scores like hawks trying to see what fluctions occur with our scores and try to anaylsis what caused them. In reality it is very hard to tie things together back the specific causes. It also has a lot to do with what scores you are watching. My TU Vantage 3 has dropped twice (from 690's to 675)in the past month for no reason I can see, while my Fico 8 TU only dropped from 700 to 696. The others did nothing at the same time. Things do not happen immediatley all the time and things take awhile to show up, you drop may be something from last month. My AMEX card ir reporting on EQ, but has not showed up on TU and EX...got the card on 9/4.
My EX became clean last month (10/19) and shocked me by going up 60pts to 739...that was easy to figure out, but yesterday it went up again (trust me Im not complaining) to 747??? the only thing I can figure or see different is my AAoA went from 2.8 to 2.9. I think more imortantly, my 2 month old car went to 3 and my 1 month old CSP went to 2..payments are showing up, and INQ's aged another month. My guess is, a month means a lot very early, but diminshes quickly as payment history builds with the TL's, but I am...just guessing.
Also, things affect your CR's, depending on the profile they have on you. I have an oldest account showing on TU that is 12.9 yrs old, but it has fallen off off EQ and EX, so that means they all have different AAoA. All my baddies are not gone. I had a collection for $77 from 2008 that I paid off and TU/EX both dropped, EQ hasn't budged. The derog that fell off EX is still on TU and EQ. So that gives me EQ - 2 baddies 652, TU - 1 baddie - 696, and EX - 0 baddies - 747. When my BCE card reported as a new tl last month, one CRA went up 4 pts and EQ went down 6? (to the 652).
Point being, this is a very complex process the way CB's calculate your scores. They don't all work from the same mix of accounts, INQ's, payment reports, ect. and they are completley different companies. So its very hard to tie anything back to anything because your just guessing. They aren't going to tell you what caused what. All you can do, is keep doing the right thing and father time will do the rest. We just have to sit and watch our score roller coaster everyday and thrill in our victories, and agonize in our defeats. i never thought building credit could be so invigorating!
