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2 years ago
Thu Feb 16, 2023 1:13 pm
Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Justaguy wrote: ↑Sun Aug 14, 2022 11:50 am Upon further review… My DP that I’ve been citing as evidence that TU4 and EQ5 treat $40k as a card has a weakness. My Amex charge card also had a balance reporting then. That card’s highest balance ever was $38.9k (a humbling reminder of my past foolishness). Some people may feel certain that FICO 04 treated charges cards as non-revolvers for all purposes, but I do not share that certainty. So in my mind the $40k number is still in doubt. Some of my posts on the topic overlooked this detail, and therefore overstated my confidence re $40k. That was a mistake and I apologize. It will take me a few months to line things up for more testing. I will report back when I do so.@Justaguy And re-reading this, the AZ loss is believed to be based on revolving balance, not utilization. Charge cards are excluded from revolving utilization. I do not know whether they are excluded from revolving balances. I guess this may be one way to find out. Cause I’m currently testing 40 w/o charge card. I don’t think so, but could also be based on BWB rather than revolving balance. If so, does mix count it as a revolver? I think it does.
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Score data
EQ8-827; TU8-817; EX8-816
EQ5-751; TI4- 800; EX2-814 - Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA AoOIA 49mo AoOMA 0m
- AoORA 540 months
- Date of Last Inquiry and/or New Account Opening March 2nd, 2022