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Store card to improve utilization

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Anonymous
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Re: Store card to improve utilization


@folks19 wrote:

@Anonymous It was an 8 point gain and not an 8 point loss. Unless that's what you meant.

I'm not sure about the other bureaus, but I do know that I did gain some points, but I can't say for sure when and why because those only update monthly.


@folks19 when you have a scorecard change there's an expected direction, but you never know which for sure. Its profile dependent and sometimes it goes the direction opposite of what would be intuitive. But at the same time it takes into account aging changes and other changes as well, so there's a multitude of things that can happen at scorecard reassignment, that's why you never really know for sure what's going to happen. That's interesting and I wish we had it isolated. Either way you're in a better place now and with time scores will continue improve.

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