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Up 5 and down 5 points all at the same time. Don't think I'll ever understand fico scoring

alottacards
Established Contributor

Up 5 and down 5 points all at the same time. Don't think I'll ever understand fico scoring

I got an alert yesterday that my Experian scores went up 5 points because I had a 50 dollar balance report on same club mc and 69 report on Lowes.  But today I got an alert that my Equifax scores when down 5 points because of the same changes.    Very weird.  Only thing different is that I do have A Badcock Furniture account that has 38% utilization on Equifax.   Very weird.

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Revelate
Moderator Emeritus

Re: Up 5 and down 5 points all at the same time. Don't think I'll ever understand fico scoring


@alottacards wrote:

I got an alert yesterday that my Experian scores went up 5 points because I had a 50 dollar balance report on same club mc and 69 report on Lowes.  But today I got an alert that my Equifax scores when down 5 points because of the same changes.    Very weird.  Only thing different is that I do have A Badcock Furniture account that has 38% utilization on Equifax.   Very weird.


Seen that before with balance changes between EX and EQ, I don't read much into it yet, unfortunately I don't get enough datapoints on EX to really try to analyze it as I don't have swings in my reported balances that would trigger reports on a regular basis.




        
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