1 of 5
8 months ago
Wed Jan 17, 2024 12:20 am
BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
BrutalBodyShots has achieved the Garden Goal !!
Does anyone have any info on this scoring model?
I've seen a few posts on Reddit recently where US Bank has used it for a CLI request. I've seen multiple instances of individuals being denied based on this model, where someone with high 700s/near 800 Fico 8 scores returns a TU RDM V1 score in the mid-upper 400s. The scale is 300-850, just like many Fico models. Coming in some 300 points lower seems a bit crazy, but I have no idea what makes this model tick.
From what I can gather, it perhaps considers revolving debt dollars more strongly than utilization percentages... so where a high TCL can help when it comes to Fico scoring, it doesn't seem to help with TU RDM V1. That's just a hunch at this point and we definitely need more data on it.
Does anyone have any further insight?
I've seen a few posts on Reddit recently where US Bank has used it for a CLI request. I've seen multiple instances of individuals being denied based on this model, where someone with high 700s/near 800 Fico 8 scores returns a TU RDM V1 score in the mid-upper 400s. The scale is 300-850, just like many Fico models. Coming in some 300 points lower seems a bit crazy, but I have no idea what makes this model tick.
From what I can gather, it perhaps considers revolving debt dollars more strongly than utilization percentages... so where a high TCL can help when it comes to Fico scoring, it doesn't seem to help with TU RDM V1. That's just a hunch at this point and we definitely need more data on it.
Does anyone have any further insight?
- Tagline Goodwill Saturation Technique Author
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 266 months
- AoORA 266 months
- Date of Last Inquiry and/or New Account Opening May 23rd, 2022
- Garden Goal 24