TU seems exceptionally unstable

[Caught750]

So I'm curious and I've been trying to understand this to no avail.
Transunion seems to be very unstable for me. My scores fluctuate and increase or decrease for no apparent reason. Util is well below thresholds, no real changes around score increases or decreases.
Any thoughts? Has anyone else experienced this?

[Revelate]

Number of revolving tradelines with balances?

That's usually the culprit in my case, though it isn't TU specific.

[Caught750]

2 of 12. Possibly 3 if Amex reported first statement. Agg at 4%, single high 18%.

[Revelate]

That wouldn't do it for me, is this sort of what yours looks like?  Seems pretty similar for me both TU / EX, some aging factors in there too.

TU FICO 8EX FICO 8

[Caught750]

That makes me feel better about it. There are certainly changes happening but they gave me 3 points for no apparent reason then took 4 away for no apparent reason, jerks lol

[Caught750]

I have 2 new accts that aren't showing yet (would expect a small drop as AoYA is still a month and AAoA won't cross a threshold) and had a CA removed by EE (would expect a point or two jump as it was 6 years 7 months and paid with one more still there) but that hasn't shown either. The gains and losses just don't seem to have a reason.

[Revelate]

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@Caught750 wrote:
I have 2 new accts that aren't showing yet (would expect a small drop as AoYA is still a month and AAoA won't cross a threshold) and had a CA removed by EE (would expect a point or two jump as it was 6 years 7 months and paid with one more still there) but that hasn't shown either. The gains and losses just don't seem to have a reason.

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Wouldn't worry about the small ups and downs, long term trend is where it's at for credit scores.

If you have another CA on there, don't expect a large movement, I only got a handful of points in my case.

[Caught750]

Yea I'm not overly concerned about it, just annoying seeing 3 up 4 down or some similar scenario. I only expect 5 to 10 for this one but much more once the other is gone.

[FireMedic1]

Least you guys have some movement. Since Jan 1 I gained 1 stinkin point. HP aged off, 2 CC's, balances up and down always 1%. Dropped when truck was paid off, then got Alliant. Its stuck. PS. Theres a fix for the badges to have caps now.

[Revelate]

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@FireMedic1 wrote:

Least you guys have some movement. Since Jan 1 I gained 1 stinkin point. HP aged off, 2 CC's, balances up and down always 1%. Dropped when truck was paid off, then got Alliant. Its stuck. PS. Theres a fix for the badges to have caps now.

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Heh, that was my EQ FICO 5 for years when I got as clean as I could and was just waiting for things to age over breakpoints while sitting as clean as possible.

I don't know exactly what it is, whether it's some maximal bucket score or that that particular set of ages and balances simply winds up being that identical score but you can seriously flatline in the dirty scorecards.

Thanks for the heads up on the fix for caps, I need to go find that.