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The algorithm works in mysterious ways

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Anonymous
Not applicable

The algorithm works in mysterious ways

...but overall it seems so fair, just, well balanced and makes total sense.

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Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: The algorithm works in mysterious ways

Just FYI, I looked for any other changes in my report when this happened and did not find them so I must be missing something here, right?

Message 2 of 5
Anonymous
Not applicable

Re: The algorithm works in mysterious ways

Multiple/more cards reporting a balance after than before?

 

 

Message 3 of 5
Trudy
Valued Contributor

Re: The algorithm works in mysterious ways


@Anonymous wrote:

Just FYI, I looked for any other changes in my report when this happened and did not find them so I must be missing something here, right?


Hi @Anonymous , alerts are not necessarily tied to the reason for score changes.  When the CMS provides one of their alerts for balance changes, etc.,(whatever your CMS states they provide alerts for) if your score changed anytime between the last alert you received it will also provide your score change if that happened at some point, but not the reason for it.  So whatever caused the score change could have happened anytime between the last and current alert.  

FICO - 8: 05/05/23
Message 4 of 5
SouthJamaica
Mega Contributor

Re: The algorithm works in mysterious ways


@Anonymous wrote:

Just FYI, I looked for any other changes in my report when this happened and did not find them so I must be missing something here, right?


You would need to know (a) on which date the score changed, (b) what's in the report the day before the change, and (c) what's in the report the day of the change.

 

From the alerts, you know (d) none of the above.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 5 of 5
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