It is interesting how much scores can swing depending on minor differences. For the most recent round of FICO scores, I get these:
EX -25 pts. Went from 796 down to 771. Of note, all revolving lines report zero (reported on 3/9, 4/2 and 3/23), and EQ does not receive reports for my mortgage.
TU +12. 830 up to 842. Of note, 2 of 3 revolvers report zero, one reports $221 balance on 3/4 (with EX, same card was reported 4/2). For me, this is less than 1% utilization. This bureau does catch my mortgage.
EQ +11. 839 to 850. Of note, all 3 revolvers report zero, with dates different from the other bureaus. Technically negative utilization for this bureau, and this bureau does catch my mortgage. I guess the 0 balance penalty with EQ is balanced by other factors, or maybe a negative balance on a card counts as use in some way?
I don't try to practice AZEO, nor do I try to keep utilization particularly low. As far as I am concerned it is what it is, although typically fairly low because of reasonably high limits and I tend to pay my cards every two weeks. This is merely a convenience for me, I pay them when I get paid.
One hard inquiry, about 23 months old. 2 closed car loans, going to drop off in 1-3 years. One 12 year old mortgage with low interest, I am not in a hurry to pay.
One of my cards is typically close to zero. I do have a couple of recurring payments on it, but they are minor and I tend not to use the card much. For the other two, one must have been paid off in full around the reporting date, the other has a negative balance because an airline refunded a ticket because they were oversold, or flights canceled, or similar nonsense. Now I have to rebook.
So, 79 point score difference, ranging from a decent 771 to a perfect 850 (first time for me, whoop!), some scores going up, some going down, mostly because of slightly different reporting dates.
I do have the luxury of having good credit, so i don't worry about the swings, but I do find it amusing that some went up, some went down, and I have such a big span between high and low.
