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4 months ago
Fri May 24, 2024 11:00 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 !!
I posted a while back that my EQ VS3 was at 850. It's sort of bounced from 838 to 850 back to 837-839 back to 850 for what feels like nearing a year now. I've never been able to identify any real changes to warrant the score fluctuations and just talked it up to an EQ VS3 fluke.
Well, today I see that my TU VS3 is also 850. I wouldn't think at this point in the month that an aging metric would be impacted. The only thing I can see clearly that changed was that an inquiry just fell off of my TU report (at 2 years of age). Maybe this is evidence that unlike Fico models where inquiries are scoreable for 365 days, they are scoreable for the full 2 years on VS3? Or, perhaps it's just another fluke.
I'm monitoring my EX VS3 now through my Chase account just to see if I complete the trifecta of 850s. My EX report I believe contains one more CC account than TU/EQ; it's a closed CC from 2017. Not sure if that'll make any difference.
Any thoughts on the 850s? Like you @Cassie, I always believed the top end for VS3 to be 841 or so, as in all of my years at MF I don't think I ever saw a single VS3 referenced above 841. It was the highest I could seemingly get mine for years as well, until these random jumps to 850. Strange stuff!
- 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