Wonky EX and EQ behaviors?

[SoCalifornia]

What's the deal? Quite a few here have been reporting funky behavior from Equifax. My Experian score has been fluctuating in the past week, and dipping, mostly. My Util just dropped from 3% to 1% and the only the thing I have done is app and get approved for Disco- which pulled EQ. What gives? Anyone else seeing this with EX as well? Or is my OCD just extra whacked out at thet moment?

[Queen_Etherea]

My EQ report is 100% exactly the same as my EX report and yet it hasn't broken the 700 barrier. I have no idea why... I did get an updated score on my PenFed account last week, which did show my score in the low 700's, but that's the EQ FICO 09 model. The EQ FICO 08 model hasn't budged still. I guess I'll find out in 7 days when I can refresh my report!

As far as EX goes, I haven't seen anything wonky. My score has been at a steady 724 for quite some time. I've had my UTI fluctuate and accounts with balances goes up and down, but it hasn't moved. Only thing that can fix my scores right now is time. 

[SoCalifornia]

Apparently nobody else either. Must have been the OCD 🤷🏽‍♂️

[Anonymous]

I was specifically looking for information related to this. My EQ scores have not moved once, even though my other scores soared 75-100 points. Credit Karma reports my EQ score using Vantage as being about 30 points higher than the stalemate Fico8 score on here. I am wondering what is up, actually.

[Anonymous]

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@Anonymous wrote:

Credit Karma reports my EQ score using Vantage as being about 30 points higher than the stalemate Fico8 score on here. I am wondering what is up, actually.

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Ignore the score provided by CK, as the chances of a lender ever using it is slim to none.  Focus only on your FICO 8 scores.

What is very important for everyone to understand is that credit scores are generated from credit reports.  The reports are the catalyst for score change (or lack of).  I think too often we get hung up on "my score" when really one should be looking at their report.  If a score is going up and down, it's because something or multiple things are changing on the credit report from which that score is being drawn.  If your score is X and it changes to Y, something on your credit report changed.  This could be something obvious, or could be something that takes a lot of reading line by line to find.  Understanding what changed and how it impacts your score is far more meaningful than simply identifying a score change in and of itself.

[SoCalifornia]

Exactly true @BBS - When I originally wrote this, I was moreover referring to my report and how my scores were behaving indirectly. It's probably in our nature to see the bright colored sign that is the score verses digging into the causes. I still can't pinpoint what was going on, but it leveled out.

As a side note: I always find it odd how some will find their ways onto a forum called "myFICO" (most likely thru a Google search) and lament their Vantage3 scores.