Score dropped 11 points TU

Anonymous · ‎08-09-2019

@Anonymous wrote:
@Anonymous wrote:
Perhaps an old account fell off your CR.
possibly. I wish it would tell me that instead of just saying my score dropped 11 points

Unfortunately an old account falling off of your report is not an alertable event. It's simple enough to figure out on your own, though. Simply look at your before/after credit reports. Is there an old account present on the older report that is not present on the more recent one?

iv · ‎08-10-2019

@Anonymous wrote:
one inquiry from July 8th would knock me 11 points even though I was already hit for 3 points a couple days after it happened?

Yes. Absolutely. Those 3 points last month were NOT related to the inquiry.

That July 8th inquiry was not actually being factored into your score at all until 30 days later (exactly when you saw that 11 point drop).

There's a 30-day period for mortgage inquiries (also auto inquiries) where they do not count "yet".

This is separate from the 14-day window (EX2) and 45-day window (all other relavant FICO models) for de-duplication of inquiries.

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06

SouthJamaica · ‎08-10-2019

@Anonymous wrote:
@Anonymous wrote:
It didn’t tell me anything specific on what changed. I got a notification saying my score changed... No reason was given.
I know nothing about MF other than what I've read on here having never used the product personally. From my understanding however, alerts are provided due to credit report changes. I have not heard of alerts for a score change. Many times a score change will go hand in hand with a credit report change, which is why many people wrongly assume they must always be related.

Some that has used the MF service, please correct me if I'm wrong. Can you in fact receive an alert of a "score change" or are all alerts for credit report changes (that simply come with a fresh score at the time)?

You get an alert, in MyFICO monitoring services, for a TransUnion score change. But it wouldn't tell you the reason for the score change, just the fact that it changed.