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Timing of EX alert is after the score change

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NRB525
Super Contributor

Timing of EX alert is after the score change

It seems the increase in balance should not be the trigger for a 7 point score increase, compared to a $4k balance decrease (already reflected / continuing in other balances, so a true decline in total open balances finally updated). The score factor would have already been available yesterday to the algorithm, but not yet processed for display in the MyFICO alerts until today.

An example of the alert that is shown on MyFICO not being the proximate cause of the score change.

 

Edit: Apparently the iPhone Paste feature is not adequate to add a photo...

 

IMG_3105[1].PNG

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
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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