Surprisingly small loss for new account

A year ago

Sat Aug 12, 2023 1:30 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, 15 days, 20 hours, and 58 minutes Next Level in15 days, 3 hours, and 2 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 58 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 58 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 58 minutes ago

EvenBetterThanTheRealThing wrote: ↑Sat Aug 12, 2023 4:30 am My VX reported for the first time this week I'm a bit surprised at the minimal FICO 8 point loss with the e new account reporting and no longer being AZEO,

Did you change scorecards, or had you already opened a new revolver within the last 12 months?

A year ago

Sun Aug 13, 2023 12:18 am

EvenBetterThanTheRealThing

Seasoned Rebel

Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 58 minutes Next Level in4 days, 3 hours, and 2 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 2 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 2 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 2 minutes

BrutalBodyShots wrote: ↑Sat Aug 12, 2023 1:30 pm
EvenBetterThanTheRealThing wrote: ↑Sat Aug 12, 2023 4:30 am My VX reported for the first time this week I'm a bit surprised at the minimal FICO 8 point loss with the e new account reporting and no longer being AZEO,
Did you change scorecards, or had you already opened a new revolver within the last 12 months?

I think I spoke too soon. Got additional notifications today for EQ and TU with additional point losses. The -4 on EX appears to be correct as the Experian site hasn't reported any additional losses. The other losses are EQ -6 (total of -13 now) and and TU -4 (total thus far). I'm unsure with the EQ score now what portion of the total loss is the new account and what portion comes from the higher aggregate utilization along with higher AWB % .