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Unexplained 50 point score jump?

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Regular Contributor

Unexplained 50 point score jump?

I've been coasting at FICO score for ~730 for a at least a year. All of a sudden the last 2 months according to Citi has jumped to 798.

I havent done anything abnormal. I do carry ~10k debt between student loans and some old balances ive been balance transfering back and forth at 3% APR per year. I'm now at 40 open credit cards and 5 closed based on my wishes. My oldest card is a 5.8 year old secured card. The only difference i see is my AAOC has passed 3 years. Could that be it? 

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Valued Contributor

Re: Unexplained 50 point score jump?

Is that CITI EQ Bankcard 8?

I don't recall AAoA at 3 years to be a segmentation threshold.

Have you pulled your 3 bureaus FICO 8 scores?

Have you compared the before and after reports?

Did you have any derogatories or delinquencies?
Message 2 of 5
Valued Contributor

Re: Unexplained 50 point score jump?

What is your AoYA Age of Youngest Account?
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Super Contributor

Re: Unexplained 50 point score jump?


@KnowlIsPower wrote:

I've been coasting at FICO score for ~730 for a at least a year. All of a sudden the last 2 months according to Citi has jumped to 798.

I havent done anything abnormal. I do carry ~10k debt between student loans and some old balances ive been balance transfering back and forth at 3% APR per year. I'm now at 40 open credit cards and 5 closed based on my wishes. My oldest card is a 5.8 year old secured card. The only difference i see is my AAOC has passed 3 years. Could that be it? 


No that couldn't be it. It's got to be something else.


Total revolving limits 732500 (606000 reporting) 12/4/20 FICO 8 scores: EQ 715 TU 760 EX 735
Message 4 of 5
Valued Contributor

Re: Unexplained 50 point score jump?

As AllZero said, if you’re getting it from Citibank, it is the bankcard flavor of 8 that maxes out at 900, not the classic 8 that maxes at 850.

So your 730s, what flavor were they?









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
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