I opened my most recent card on 2/23/25 and the HP was only on TU and there's either something weird I'm not understanding with scoring or there's some sort of delay. Each month I get my 3B report pulled on the 3rd. During this time my utilization did not vary signfiicantly in percentage or raw dollars.
2/28 - myFICO alert for the new HP on TU
3/3 pull - HP shows on TU report but no score change on any for FICO 10
4/3 pull - new account not reporting yet, no change on EQ10 or EX10, but -10 on TU10 (could this just be a delay in when they account for the HP in a scoring update?)
4/12 - last prior account and HPs reach one year ald (brings me down to 0/12 on HPs for EQ and EX, back to 1 on TU)
4/13-26 - various alerts that denote the new account now reportingon all 3 bureaus
5/3 pull - new account reporting for the first time EQ10 +6, TU10 +19, EX 10 +1
This doesn't make sense to me, particularly on TU10. Between the April and May pulls my last new account reaches 1 year, but this new account reports, so I would expect the new account reporting would effectively wipe out any score gain from that 1yr mark. On EQ10 and EX10, I'm down to 0/12 for HPs so I can understand gaining points from it. Gaining +19 (putting me +9 over where I was prior to the opening the account) doesn't make sense to me. There's only 2 scenarios I can think of. One is reaching some aging milestone that I'm unaware of. My oldest account (all revolver profile) reached 3yrs 6 mo if that means anything.
The other hypothesis is that there's a delay in when the new HP and new account are accounted for in scoring from when they are reported. The HP alert came on 2/28 and normally HPs are an event that will trigger a score update for FICO8 (it did). I would then expect the HP to be on my 3B pull for 3/3 and any score impact showing on that pull. It was showing in my report, but I don't think it was accounted for in my scores as FICO 10 did not change (nor did most of my other TU scores, the very few that did went up) from the 2/3 to 3/3 pull. On my 4/3 3B pull, while the new account was not reporting yet (next statement closed 4/9) I had a 10 pt drop on TU10 (scores also dropped on all other TU models). This seems to back up there being a delay from when the HP hit my reports to when it scored. This has me thinking that the +18 this month on TU10 is because the even though the new account is on my report, it's not yet being calculated into scoring. I'm effectively getting the boost from no new accounts within 12 months from my last card reaching that threshold as the account is on my report but lags in being included in scoring. I used FICO 10 as my example for this one since it had the most stark increase and decreases, but 9 reacted similarly (8 didn't react quite the same way).
Sorry to write a novel, but any thoughts on this?
