Transunion bug, or are you seeing this across bureaus?
Annoying to be certain.
Definitely something buggy going on there.
Thank you for your responses.
I do not use the transaction monitoring service. I do use the identity monitoring service.
The trouble seems to be with Experian. This is the chart of my Experian scores: https://drive.google.com/file/d/0B3zppJMjAI6hRDRKLTA1Ri1fZ00/view?usp=sharing
The higher numbers are what I get when I order a report. Once that "wears off" (?), the lower numbers are fairly steady, until I order another report. If nothing else, this is a great business model for myFico. 
> Only when you get a new 3B report will all of your FICO score variations update.
That is not my experience. The scores fluctuate as credit activity appears in the bureaus. THis is, I believe, part of the service. But I'm not clear on whether the same socring mechanism is being used between reports as is used for the reports themselves, and I don't know which set of scores to believe.
@Anonymous wrote:Thank you for your responses.
I do not use the transaction monitoring service. I do use the identity monitoring service.
The trouble seems to be with Experian. This is the chart of my Experian scores: https://drive.google.com/file/d/0B3zppJMjAI6hRDRKLTA1Ri1fZ00/view?usp=sharing
The higher numbers are what I get when I order a report. Once that "wears off" (?), the lower numbers are fairly steady, until I order another report. If nothing else, this is a great business model for myFico.
> Only when you get a new 3B report will all of your FICO score variations update.That is not my experience. The scores fluctuate as credit activity appears in the bureaus. THis is, I believe, part of the service. But I'm not clear on whether the same socring mechanism is being used between reports as is used for the reports themselves, and I don't know which set of scores to believe.
That looks (at least part of it) like the traditional TU bug where we've theorized it's caching old data somewhere. We haven't heard of it with Experian before TBH.
Out of curiosity what happened between the 770 and 705? Anyway the score you get with the actual pull is the accurate one historically with the TU issue, but really when you had the 770 as that's really difficult to achieve without a clean file, if you have significant negatives on there that would be the outlier instead unfortunately.
@Anonymous wrote:I've never seen the yo-yo effect of 70-100 points from one month to the next for many months as depicted in the image linked above. I can't even think of a way to attempt to similate that other than rocking 100% overall utilization then dropping it to 1% the next month then back to 100%. Even in doing that I'm not sure scores would be impacted that severely, but of course all profiles are different.
I've never heard of pulling ones own reports causing a score change, but I suppose there's a first time for everything.
It's been a known bug on Transunion if you look at Captool's postings, apparently due to data being cached somewhere which I think was an old BK in his case.
When the score was refreshed it would be the correct score, but the monitoring solution would pick up the old information somewhere. I've seen 3-4 other reports on the service having issues, appears to becoming more common as of late.
@Anonymous wrote:So glad that this topic was posted, because it was exactly what brought me to the forums today.
My scores have reported inline with what I see from the free credit reports I get from my lenders like AMEX, Discover and Walmart. (see 5/21 scores in siggy). I pulled my 3B report this morning and my scores jumped between 22-30 points per bureau (see 6/1 scores in siggy).
I was wondering if these are my actual new scores and my other reports (the free ones mentioned above) will reflect this...it seems as though the credit score versions also fell in line with this bump.
The only major thing I could see the difference in my scores is that all but two of the 8 or 9 inquiries have now hit the year mark. So since they still remain on my reports, I know they are no longer looked at for scoring purposes.
Glad to know I am not alone in this question.
It'd be unusual that all 3 bureaus had it all at once (bordering on statistical impossibility frankly), more likely a change happened and a number of inquiries coming off could certainly account for part of that or more.
The behavior in question isn't instant in time it's up and down repeatedly over multiple pulls.