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This is why we will never understand...

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Regular Contributor

This is why we will never understand...

On 3/3 I received alerts from both EQ and EX regarding my auto loan closing...I gained 7 pts on each.  For closing an account?  No argument from me when I saw that.

 

Today...First thing this morning NEW auto loan alert from EX...up 24 point!  I thought I hit the jackpot since I was obviously expecting a decrease for a new account.  Then an alert came around lunchtime for EQ.  Whoohooo I thought.....WRONG!  Down 3 for the new auto loan reporting.

 

Now, I know what you all will say...it had to be something else that increased my score.  But I checked both reports, and checked very throuoghly.  Nothing changed on either except the one loan being PIF and the new loan reporting.

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Valued Contributor

Re: This is why we will never understand...

Here's the short answer that is just as good as any I've seen for scores being all over the place........'because.'  lol

 

 

 

 

Message 2 of 9
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Established Contributor

Re: This is why we will never understand...

When anyone else figures out this crazy score crap, let the rest of us know! By looking at all of the recent posts lately,  I think we're all confused!

Message 3 of 9
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Valued Contributor

Re: This is why we will never understand...


@micheland30 wrote:

When anyone else figures out this crazy score crap, let the rest of us know! By looking at all of the recent posts lately,  I think we're all confused!


It's not us that's confused....we're getting bamboozled, shanghaid, the ole run around, shafted, pick and roll, scratch and sniff, potsie scheme or whatever. lol.

Message 4 of 9
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Established Contributor

Re: This is why we will never understand...


@racer-x wrote:

@micheland30 wrote:

When anyone else figures out this crazy score crap, let the rest of us know! By looking at all of the recent posts lately,  I think we're all confused!


It's not us that's confused....we're getting bamboozled, shanghaid, the ole run around, shafted, pick and roll, scratch and sniff, potsie scheme or whatever. lol.


lol

Message 5 of 9
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Established Contributor

Re: This is why we will never understand...

But, it is not the alerted event that triggered it. Just the event that will show up...maybe 20 years in the future! You just can't see it yet!.....lol. I need my time machine. Smiley Happy

Message 6 of 9
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Valued Contributor

Re: This is why we will never understand...

Riiiight....and the alerts that we get dont actually represent the important data that actually changed that was the reason gor the score change.

We pay for alerts that are irrelevant and nit the reason gor score chamges. Lol
Message 7 of 9
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New Contributor

Re: This is why we will never understand...

Just like I close a line of credit and opened a new one in its place, my EX and TU went down and my EQ went up, idk
Message 8 of 9
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Super Contributor

Re: This is why we will never understand...


@rising_up wrote:

On 3/3 I received alerts from both EQ and EX regarding my auto loan closing...I gained 7 pts on each.  For closing an account?  No argument from me when I saw that.

 

Today...First thing this morning NEW auto loan alert from EX...up 24 point!  I thought I hit the jackpot since I was obviously expecting a decrease for a new account.  Then an alert came around lunchtime for EQ.  Whoohooo I thought.....WRONG!  Down 3 for the new auto loan reporting.

 

Now, I know what you all will say...it had to be something else that increased my score.  But I checked both reports, and checked very throuoghly.  Nothing changed on either except the one loan being PIF and the new loan reporting.


How far back did you check? What are your MyFICO scores from each bureau?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
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