I've noticed something similar on my score. No real set pattern for me, but they do like to hold it for a bit, then move it up and down randomly.
My personal thoughts are, they use a snapshot based on the particular day they check things. Figure out what that day is, I believe it's around the 28th for me, and if you want to influence things, pay off your credit cards right before they check things, not based on when the credit card company says the payment is due.
I also think they like to adjust it some just so they can show a history of movement, to make it appear they're really doing their job.
Personally, I don't worry about it. They say once you get above 750, you're in the top tier and won't get anything more special for being over 800. But once you're over 800, you get the response of, "wow, your credit score is 8xx" when you apply for something (or in my case I opened a new bank account at a local credit union. not sure why they ran a hard credit check for a CD, but the rates are great)
But your experian score will be different from the other two, so you'll need to check those as well if you're worried about your numbers. I use my credit card for work stuff too. I'm more interested in my cash back rewards than my changing fico score.
My personal thoughts are, they use a snapshot based on the particular day they check things. Figure out what that day is, I believe it's around the 28th for me, and if you want to influence things, pay off your credit cards right before they check things, not based on when the credit card company says the payment is due.
I also think they like to adjust it some just so they can show a history of movement, to make it appear they're really doing their job.
Personally, I don't worry about it. They say once you get above 750, you're in the top tier and won't get anything more special for being over 800. But once you're over 800, you get the response of, "wow, your credit score is 8xx" when you apply for something (or in my case I opened a new bank account at a local credit union. not sure why they ran a hard credit check for a CD, but the rates are great)
But your experian score will be different from the other two, so you'll need to check those as well if you're worried about your numbers. I use my credit card for work stuff too. I'm more interested in my cash back rewards than my changing fico score.