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2 years ago
Mon May 30, 2022 12:06 am
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
So I have been bringing down SO's balances and watching the F10s as a result. Seems like as long as balances are trending downward, they definitely take that into consideration. The AWB remained the same.
Got a fresh 3B pull today for him and finally can take a look at the EX F10s. Seems as though those are his best. No CAs on there, so I wonder if that is also a consideration? F8s and F9s discard CAs <$100 in scores, but I am thinking perhaps F10s do not?
EQ F10s have remained the same for the most part since we have started getting them.
TU remains lowest, I assume, because of the SL lates that were not removed, whereas EQ and EX had removed them - still not sure why it didn't apply to TU, but it is what it is.
I will be very curious to see how the F10s look (as well as all other scores) once the CO is gone over the next few months (Sept for TU and Oct for EX - EQ will not be until Feb/Mar)!
Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021