15% Aggregate Threshold [Under 5yr credit file age]

2 years ago

Thu May 26, 2022 10:07 pm

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, 24 days, 13 hours, and 31 minutes Next Level in6 days, 10 hours, and 29 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 31 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 31 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 31 minutes ago

I guess my point is that since it's the first threshold point by definition it's going to be reached more often than 10%, so it's just surprising to me that there aren't far more DPs surrounding 5% from others over the years. I'd say that ~10% is talked about at probably a 100:1 ratio to 5%, at least from my readings over the years.

2 years ago

Thu May 26, 2022 11:02 pm

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 31 minutes Next Level in15 days, 10 hours, and 29 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 31 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 31 minutes ago

BrutalBodyShots wrote: ↑Thu May 26, 2022 10:07 pm I guess my point is that since it's the first threshold point by definition it's going to be reached more often than 10%, so it's just surprising to me that there aren't far more DPs surrounding 5% from others over the years. I'd say that ~10% is talked about at probably a 100:1 ratio to 5%, at least from my readings over the years.

I totally agree, but it only exists at experian and it’s only like three points, so people don’t realize or isolate it, I guess. 10% is much more noticeable.

2 years ago

Fri May 27, 2022 12:22 am

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, 24 days, 13 hours, and 31 minutes Next Level in6 days, 10 hours, and 29 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 31 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 31 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 31 minutes ago

Birdman wrote: ↑Thu May 26, 2022 11:02 pm I totally agree, but it only exists at experian and it’s only like three points, so people don’t realize or isolate it, I guess. 10% is much more noticeable.

Oh, I didn't realize that. So no 5% threshold has ever been reported on a TU/EQ score that we know of? That would make more sense as to why it hasn't been discussed more.