SO's TU VS4.0 had a nice little bump this month, but the total opposite reaction of VS3.0, when his Dell Preferred acct reported a high balance this month. It jumped +19pts from last month, while VS3.0 tanked -19pts. Screenshot_20220107-165103_Chrome.jpg I found the negative reason codes quite interesting, and frankly, made me panic with the second one stating that he had a "recent" late payment report! I went straight to TU and pulled a full CR (for free daily with a login - same report as you fet from ACR) and there is no "new" or "recent" lates reporting. Last late was over 5 years ago. While "recent" can mean anything to the credit bureaus, this was not a negative reason that popped up previously for VS4.0, so it left me a bit unsettled. Screenshot_20220107-223845_Chrome.jpg
Post

VS4.0 has opposite reaction to new high balance reporting

1 of 3
3 years ago
Fri Jan 07, 2022 10:37 pm
User avatar
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 15 minutes Next Level in1 day, 3 hours, and 45 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 15 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 15 minutes ago
SO's TU VS4.0 had a nice little bump this month, but the total opposite reaction of VS3.0, when his Dell Preferred acct reported a high balance this month. It jumped +19pts from last month, while VS3.0 tanked -19pts.
Screenshot_20220107-165103_Chrome.jpg 399.01 KiB Viewed 111 times
I found the negative reason codes quite interesting, and frankly, made me panic with the second one stating that he had a "recent" late payment report! I went straight to TU and pulled a full CR (for free daily with a login - same report as you fet from ACR) and there is no "new" or "recent" lates reporting. Last late was over 5 years ago. While "recent" can mean anything to the credit bureaus, this was not a negative reason that popped up previously for VS4.0, so it left me a bit unsettled.
Screenshot_20220107-223845_Chrome.jpg 131.94 KiB Viewed 110 times
LaHossBoss
User avatar
Outlier
  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
1
Top
Post

Re: VS4.0 has opposite reaction to new high balance reporting

2 of 3
3 years ago
Sat Jan 08, 2022 12:15 am
User avatar
BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 15 minutes Next Level in15 days, 3 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 15 minutes ago
Interesting. What sort of dollars / utilization percentage are we talking?
BrutalBodyShots
User avatar
Senior Administrator
0
Top
Post

Re: VS4.0 has opposite reaction to new high balance reporting

3 of 3
3 years ago
Sun Jan 09, 2022 1:24 pm
User avatar
Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 15 minutes Next Level in24 days, 3 hours, and 45 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 15 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 15 minutes ago
Wonder if there is a Scorecard change on one of them? any suspicious aging thresholds?
Birdman
User avatar
Primer Author
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
Top
Sorting 

Return to “VantageScore 4.0 [VS4]”

Processing