SO now has 0 (scoreable) CAs on EQ! His CA with RA Rogers, that we both share due to an overdrafted CU checking account with Nusenda (previously NMEFCU), came off his EQ CR today! It only ever reported to EQ for both of us. I have gotten no notification of it coming off my EQ CR, but I hope it happens for me, too! This is huge, because that was a huge red flag when I had app'd for AOD unicorn, since they are obviously a CU, and they mentioned it particularly. It was slated to age off naturally from EQ 12/21-1/22. There were multiple changes to EQ, so it is hard to pinpoint the actual score change from this. His util reported higher for his CapOne, so that lost him some points for sure. So, overall from all changes today, +20 pts! 671 > 691 Like myself, EQ just seems very hard to break 700 with! He does have one last derog on EQ. It is his CO that should age off in about 18 months. No other lates. We *still* need to PFD his one "nuisance" CA on EQ and TU with Caine & Weiner for $97, which is excluded from F8/F9 scoring. I would be curious to see if it does somehow impact his scores because I am not sure why he can't seem to break 700, yet. Also, for a last CA being removed, we both have been getting much higher gains than +20 pts, and more like + 70pts, even if a higher balance reported on a revolver. That is his absolute last CA. EX has 0 CAs, not even a "nuisance" CA. Next month I will aim for AZEO, for both myself and SO, and see how many points we can squeeze out and maybe break 700 on EQ! Birdman Cassie Saeren Kkboom Slabenstein BrutalBodyShots GApeachy
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Early age off of CA for SO!

1 of 7
3 years ago
Sun Oct 10, 2021 7:30 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 2 minutes Next Level in1 day, 3 hours, and 58 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 2 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 2 minutes ago
SO now has 0 (scoreable) CAs on EQ! His CA with RA Rogers, that we both share due to an overdrafted CU checking account with Nusenda (previously NMEFCU), came off his EQ CR today! It only ever reported to EQ for both of us. I have gotten no notification of it coming off my EQ CR, but I hope it happens for me, too! This is huge, because that was a huge red flag when I had app'd for AOD unicorn, since they are obviously a CU, and they mentioned it particularly. It was slated to age off naturally from EQ 12/21-1/22. There were multiple changes to EQ, so it is hard to pinpoint the actual score change from this. His util reported higher for his CapOne, so that lost him some points for sure. So, overall from all changes today, +20 pts! 671 > 691 Like myself, EQ just seems very hard to break 700 with! He does have one last derog on EQ. It is his CO that should age off in about 18 months. No other lates. We *still* need to PFD his one "nuisance" CA on EQ and TU with Caine & Weiner for $97, which is excluded from F8/F9 scoring. I would be curious to see if it does somehow impact his scores because I am not sure why he can't seem to break 700, yet. Also, for a last CA being removed, we both have been getting much higher gains than +20 pts, and more like + 70pts, even if a higher balance reported on a revolver. That is his absolute last CA. EX has 0 CAs, not even a "nuisance" CA. Next month I will aim for AZEO, for both myself and SO, and see how many points we can squeeze out and maybe break 700 on EQ! @Birdman @Cassie @Saeren @Kkboom @Slabenstein @BrutalBodyShots @GApeachy
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
7
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Re: Early age off of CA for SO!

2 of 7
3 years ago
Sun Oct 10, 2021 7:39 pm
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Kkboom
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That’s awesome! Hopefully you’re right behind him. So, despite the negative information both profiles also have positive info that hopefully has some nice age to it, right? If so, imho I think it’s the charge offs that are killing your scores. Hopefully once they’re gone- you’ll crack 700 easily. I got well over with 8 -90 day student loan delinquencies along with the addition of positive info. I was helped greatly by AU accounts, rehab loans, my secured cc. I’m just hoping your profile is optimized for your transition to clean so you can go straight to a clean, mature thick (or whatever it’s called) scorecard.
Kkboom
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  • Score data EQ8:826 TU8:734 EX8:829
2
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Re: Early age off of CA for SO!

3 of 7
3 years ago
Sun Oct 10, 2021 7:57 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 2 minutes Next Level in1 day, 3 hours, and 58 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 2 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 2 minutes ago
Kkboom wrote: Sun Oct 10, 2021 7:39 pm That’s awesome! Hopefully you’re right behind him. So, despite the negative information both profiles also have positive info that hopefully has some nice age to it, right? If so, imho I think it’s the charge offs that are killing your scores. Hopefully once they’re gone- you’ll crack 700 easily. I got well over with 8 -90 day student loan delinquencies along with the addition of positive info. I was helped greatly by AU accounts, rehab loans, my secured cc. I’m just hoping your profile is optimized for your transition to clean so you can go straight to a clean, mature thick (or whatever it’s called) scorecard.
Thanks! Yes, SO has 2 bad marks on EQ and TU left. The 1 x CO and the 1 x "nuisance" CA (supposedly excluded from F8/F9 scoring). We have to PFD the CA at some point because it is not slated to age off/EE until, like, 2024 or something. The CO should be EE'd from TU in 12 mo and age off naturally from EQ in 18 mo. EX only has 1 derog remaining - the 1 x CO that we will EE in 13 mo. No lates on any of the bureaus for SO, aside from the one connected to the 1 x CO. Util is not optimized right now with the revolvers for SO or myself. I will fix that for next month's reporting. For myself, EQ has 3 x CAs. 1 x CA is in dispute as not mine, 1 x CA that I shared with SO that I hope ages off any day now like him, and 1 x CA that should age off in 2-3 months. EX and TU has 1 x CA that will be EE'd in 11-12 months, depending on bureau. I have no lates or COs on any of the 3Bs, just the 1-3 CAs. As far as new accounts, HPs, and util for revolvers and loans, that is a bit different, and I can post about that elsewhere. This is mostly about the derogs remaining for us.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
4
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Re: Early age off of CA for SO!

4 of 7
3 years ago
Sun Oct 10, 2021 8:50 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 2 minutes Next Level in18 days, 3 hours, and 58 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 2 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 2 minutes ago
Congratulations on SO's EQ exclusion. Good luck on your own exclusion.
AllZero
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Re: Early age off of CA for SO!

5 of 7
3 years ago
Mon Oct 11, 2021 7:43 am
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GApeachy
Seasoned Rebel
GApeachy has passed the 12 month threshold!
No scorable inquiries on file!
Level13 Last INQMonday, August 7, 2023 Gardening For1 year, 1 month, 20 hours, and 2 minutes Next Level in29 days, 3 hours, and 58 minutes on October 7th INQ 1yr onWednesday, August 7, 2024 INQ 1yr reached1 month, 20 hours, and 2 minutes ago INQ 2yr onThursday, August 7, 2025 INQ 2yr in10 months, 30 days, 3 hours, and 58 minutes Goal24 months Goal DateThursday, August 7, 2025 Goal In10 months, 30 days, 3 hours, and 58 minutes
Y'all have made great strides, this is so exciting!
GApeachy
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  • Score data EX8: 765/ TU: 765/ EQ: 764
3
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Re: Early age off of CA for SO!

6 of 7
3 years ago
Mon Oct 11, 2021 7:55 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 2 minutes Next Level in1 day, 3 hours, and 58 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 2 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 2 minutes ago
Here are the new negative reason codes after the score increase/last "scoreable" CA came off:
Screenshot_20211011-192316_myFICO.jpg 150.55 KiB Viewed 150 times
Looks mostly related to the last CO and high SL balances. Here are the negative reason codes from the last 3B pull a couple weeks ago:
Screenshot_20211011-192433_myFICO.jpg 210.65 KiB Viewed 150 times
It is curious that, now, "amounts past due" bumped "too many AWB" from the list.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
2
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Re: Early age off of CA for SO!

7 of 7
3 years ago
Mon Oct 11, 2021 9:47 pm
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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 2 minutes Next Level in24 days, 3 hours, and 58 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 2 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 2 minutes ago
@LaHossBoss very good information. The public record Scorecard apparently views loan balances as more important than a sole delinquency, whereas a delinquency Scorecard finds the delinquency more important than the loan balance.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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