The only thing that's changed from last month to this is 2 years LoC to 3 years, this happens frequently... I maintain the same profile, Util is always 0-1%, It's been that for three years now.. my score just bounces every month, up down, up down.. For March, April & May it was 780, June 771, Jul & Aug 784, now this.. anyone have any explanation or do I just ride the rollercoaster?
Looks like your Average Age may be what's keeping you up and down?! I also noticed whenever I had my % equal to 8% or so across the board on my cards my score jumped higher than when I had them at 1% or AZEO it didn't gain as much. Whenever I paid my payment in FULL and then added a little bit onto the card after payment to report to the statement I noticed that reflected well on my jumps too....but are you adding new things or did maybe some things fall off often?! Or recently?!
I looked more in depth and in the last year, I reported 1% UTIL every single month, so I withdraw the 0% comment.
How many accounts do you have; revolving, installment?
How many are reporting a balance?
How many are reporting a balance?
is VantageScore 4.0 at all accurate?
One installment, $5k balance, 3 revolving, $0, $50, and $61
^ You will be penalized points if 50% or more of your cards are reporting a balance. Look back and review your score changes vs how many are reporting a balance at certain dates; eg 1/3, 2/3, 3/3.
@800who wrote:is VantageScore 4.0 at all accurate?
VantageScore is great for following your credit reports. However, their scores are irrelevant. FICO scores is what the majority of lenders use.