Talk about a delay .....

[Meanmchine]

I was in the gaarden for 26 months

No HPs. No new accounts. All files had no inquiries

1st scoring issue - FICO 8 - TU

8/4/20 Score was 848 when alert hit for new inquiry ( bringing TU total inquiries to 1 )  Approved for CFU but the new account hasnt posted to reports yet.  No score movement

9/4/20 Exactly one month later, TU score drops 3 points FNAR. No changes to TU report.  Strange that is this dip was due to going from 0 to 1 inquiry, that it didnt happen a month ago

2nd scoring issue

Again on 8/4/20 an inquiry hit my EX file bringing my inquiry total form 0 to 1.  A 3 point FICO8 drop.  Not to be outdone, for the inquiry, FICO9 dropped 17 points.

Im glad Im not stressing about hitting 850 anymore

[Anonymous]

I wonder why the delay?

Are you expecting a pretty standard 15-20 point drop on your Fico 8 scores due to the AoYA reset to 0 months?

Congrats on not caring about the trivial score drop (from a lending perspective) from adding the new card that you obviously wanted.

[Meanmchine]

Im bracing for 20+ points dropping like last time in FICO8s

Whats going to be interesting is to see FICO9s movement

When my AoYA hit 1 year, my FICO8s were all + 15 - 22 across the board

The same day, FICO9s dropped 12 - 14 points across the board

Im still trying to figure out the logic on that one

Maybe Ill have reverse outcomes and my FICO9 will go up

[ocheosa]

I had similar strange reporting, although contradicting:

dropped -15 on EX9 (no revolving balances) and

dropped -12 on EQ9 (too many balances reporting =2)

Also find it odd my sync vantage score has not updated since July.

Fico 8 scores remained consistent, up or down a 1-2 pts, no big changes w/in the same timeframe.

[Credit4Growth]

---

@Meanmchine wrote:

Im bracing for 20+ points dropping like last time in FICO8s

Whats going to be interesting is to see FICO9s movement

When my AoYA hit 1 year, my FICO8s were all + 15 - 22 across the board

The same day, FICO9s dropped 12 - 14 points across the board

Im still trying to figure out the logic on that one

Maybe Ill have reverse outcomes and my FICO9 will go up

---

I share in you humor... I just wished to share,  please stick to the last line in the OP of this thread, I do not wish for you to pull your hair out only for such an achievement of an 850 score (I am sure you can think of other reasons why you should do that). I do hope you reach 850, at some point... good luck!