So, without my noticing, I had 2 of my 3 CAs vanish off EQ! And yes, WayPoint insterted themselves onto EQ today. "Only" a 5 pt loss. I am struggling to understand why EQ is lagging score-wise compared to the other 2 bureaus, considering they are almost identical! 689 > 684 So Transworld aged off today - 4 or 5 months early. Thank goodness, as they were a real thorn. NCB Management also vanished, but I cannot determine when. I never got a notification from MyFico or CK. Last I can find it was still listed in March, but I will have to dig through reports between then and now to see when it could have possibly aged off. Regardless, neither of them coming off improved my scores on EQ, which is mind boggling. I have zero lates on EQ and only 1 remaining CA with DoFD of 1/15. I can only hope it ages off early, but should come off by Dec no matter what. Going down to 1 or 2 CAs definitely inproved my scores with EX and TU, but not so much with EQ. I don't get it. Today I also had a very old, closed revolving account age off. Maybe that factored into things? While AAoA was not impacted, certainly AAoRA was. Now to just hope that my WayPoint disputes goes well with TU and EQ, as it did with EX because I am oh so close to being clean, and this is really weighing me down! Birdman Cassie BrutalBodyShots Kkboom Slabenstein
Post

Surprises on EQ!

1 of 6
3 years ago
Wed Oct 06, 2021 6:49 pm
User avatar
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 10 minutes Next Level in1 day, 3 hours, and 50 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 10 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 10 minutes ago
So, without my noticing, I had 2 of my 3 CAs vanish off EQ! And yes, WayPoint insterted themselves onto EQ today. "Only" a 5 pt loss. I am struggling to understand why EQ is lagging score-wise compared to the other 2 bureaus, considering they are almost identical! 689 > 684 So Transworld aged off today - 4 or 5 months early. Thank goodness, as they were a real thorn. NCB Management also vanished, but I cannot determine when. I never got a notification from MyFico or CK. Last I can find it was still listed in March, but I will have to dig through reports between then and now to see when it could have possibly aged off. Regardless, neither of them coming off improved my scores on EQ, which is mind boggling. I have zero lates on EQ and only 1 remaining CA with DoFD of 1/15. I can only hope it ages off early, but should come off by Dec no matter what. Going down to 1 or 2 CAs definitely inproved my scores with EX and TU, but not so much with EQ. I don't get it. Today I also had a very old, closed revolving account age off. Maybe that factored into things? While AAoA was not impacted, certainly AAoRA was. Now to just hope that my WayPoint disputes goes well with TU and EQ, as it did with EX because I am oh so close to being clean, and this is really weighing me down! @Birdman @Cassie @BrutalBodyShots @Kkboom @Slabenstein
LaHossBoss
User avatar
  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
3
Post

Re: Surprises on EQ!

2 of 6
3 years ago
Wed Oct 06, 2021 7:03 pm
User avatar
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 10 minutes Next Level in15 days, 3 hours, and 50 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 10 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 10 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 10 minutes ago
I'm confused when you say that an old revolving account aging off didn't impact your AAoA, but did impact your AAoRA. Don't both revolving accounts and installment accounts impact AAoA? Is it possible to have AAoRA and/or AAoIA impacted but not have AAoA impacted? Glad to see that you've got baddies going away. It sounds like you're in the home stretch to really good things happening!
BrutalBodyShots
User avatar
1
Post

Re: Surprises on EQ!

3 of 6
3 years ago
Wed Oct 06, 2021 7:19 pm
User avatar
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 10 minutes Next Level in1 day, 3 hours, and 50 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 10 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 10 minutes ago
BrutalBodyShots wrote: Wed Oct 06, 2021 7:03 pm I'm confused when you say that an old revolving account aging off didn't impact your AAoA, but did impact your AAoRA. Don't both revolving accounts and installment accounts impact AAoA? Is it possible to have AAoRA and/or AAoIA impacted but not have AAoA impacted? Glad to see that you've got baddies going away. It sounds like you're in the home stretch to really good things happening!
I know it sounds crazy, but AAoA remained 15y 10m on the before and after reports. Obviously removing a revolving account away from my very, very short list of revolvers definitely lowered AAoRA. EQ had 5 revolvers. 3 opened in just less than 2 years. I also had 2 very old, closed revolvers. Now 1 aged off. It really impacted AAoRA. While AAoA was not impacted much at all since I have something like 20 installment loans (SLs) that were opened between 1998 and 2010. I had many accounts open prior to that revolver that aged off.
LaHossBoss
User avatar
  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
1
Post

Re: Surprises on EQ!

4 of 6
3 years ago
Wed Oct 06, 2021 7:22 pm
User avatar
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 10 minutes Next Level in1 day, 3 hours, and 50 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 10 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 10 minutes ago
Update, I am plain crazy, as NCB Management was tucked away in the EQ CR and is in fact still listed and did not age off. That has until Jan at latest to age off.

So this WayPoint is standing between me and a totally clean EQ CR in as little as 2-3 months. Wherr WayPoint, if it sticks around on EQ, will not age off for 18 months! Argh!
LaHossBoss
User avatar
  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
0
Post

Re: Surprises on EQ!

5 of 6
3 years ago
Wed Oct 06, 2021 10:54 pm
User avatar
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 10 minutes Next Level in15 days, 3 hours, and 50 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 10 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 10 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 10 minutes ago
That makes sense regarding AAoA. Having some 20 old installment loans will no doubt render AAoA relatively bullet proof for sure!
BrutalBodyShots
User avatar
0
Post

Re: Surprises on EQ!

6 of 6
3 years ago
Thu Oct 07, 2021 8:00 pm
User avatar
Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 10 minutes Next Level in24 days, 3 hours, and 50 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 10 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 10 minutes ago
Remember the two accounts dropped off and the one came back?
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
Processing