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Credit Scores are like Las Vegas Casinos

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How, you ask? Simple - you just can't win. Look at the two items I have here from Credit Karma  (yeah, I know - FAKO not FICO, but the principle remains the same).

Same date.......

Same amount of change in total Credit Card debt

Same direction in the amount of debt - down.

Same Credit Card Company involved in the change - Amex.

Same change in number of Credit Score points

What's different? One (EFX) went UP six points, and one (TU) went DOWN six points.


It's not the number of points that I am questioning, it is the fact that the exact same documented change cause one score to go up, and another to go down, and both by the exact same number of points, and both rep[resent the ONLY change in the credit file.

You have better odds in a Casino, and a crooked one at that.

Score Changes 07-31-2022.jpg

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