myFico EX +31 with (1) pos.factor,(3) negative factors

[Revelate]

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@racer-x wrote:

Rev - The 3 negative alerts I received still baffle me.  It seems the negative alerts would cancel out the 1 good alert of PIF'ing a mere $2800 balance on $150K worth of TL's.

Is it possible that my score may have jumped 50+ pts if I didn't have on the PLOC account a 65% CLD, 83% utilization, and an increase in balance?

I used to be able to have a good idea as to where my scores go when certain things happen.  Lately, I'm just not getting it.

It's been a bit 'adverse' I guess.  lol.

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FICO 8 apparently is a lot more sensitive to recent issues like inquiry count and utilization and not having open tradelines.  Yes entirely possible, when people with a year history and clean files on a couple of tradelines are hitting 740+ I'm sort of surprised it was that low to begin with unless you had a slew of new accounts or whatever.

Don't focus on the score, focus on the report anyway .

[racer-x]

I did add 3 new CC accts and 1 auto 6 months ago. But i paid off 2 auto loans. I guess the 1 new auto loan hurts me more than paying off 2 auto loans helps me.

Added 4 CC's early last year too. So in reality, i added 7 new CC's and 1 new auto loan in 2014.

22 inq's. 8 of those for a mortgage. 2 or 3 were HP CLI's.

Btw, and i know its credit karma but it jumped 71 pts on TU and EQ on the website. They had a 634 for cryin out loud, 701 now.

The CK mobile went from 672 to 715, +43.

Anxious to see what myFicp EQ and TU has to say.

[racer-x]

WT H:  So today i get 2 new alerts on myFico EX. 

-decrease in balance (Discover that I PIF'd 3 wks ago) - $4300 - $0, 33% to 0%.

  - No score change since 02/02/15

-decrease in credit limit (Discovers AA and CLD) - $12.9K to $4.7k

  - No score change since 02/02/15

How in the wide world of sports can I get a +31 pt increase 2 days ago on myFico EX when I PIF'd a US Bank H-Davidson CC, $2800, and then get no increase when I PIF'd a $4300 balance?  I understand that the CLD could negate the positive of the new $0 balance account reporting.  Cutting my overal available credit by $8000 isn't much when we're talking $150k overall.

And on the same day I got the +31 pts, I had 3 negative alerts....decrease in CLD, High utilization, increase in balance.....all on the same account.

All this jacking around with models, services etc...is getting crazy, IMHO of course.