VS3 Score at 2 months on a New Credit Profile

3 years ago

Thu Oct 21, 2021 6:19 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

Birdman wrote: ↑Thu Oct 21, 2021 5:19 pm You’re right what are the odds? Maybe we can learn where the threshold is or breakpoint from this though.

I think it comes down to: "If the opening date is prior to the midpoint of the month, use the 1st of that month for aging calculations." ..else... "Use 1st of the following month." And that's why some people see a 'lag' with VS3 aging compared with FICO. Have to admit, FICO is pretty generous with that 'always take the 1st of the month no matter what'.

3 years ago

Thu Oct 21, 2021 10:38 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, 22 hours, and 2 minutes Next Level in15 days, 1 hour, and 58 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 2 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 2 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 2 minutes ago

I've always wondered why it's done that way. I would think it would make the most sense to just go by the date of the month. You arrive at that date the following month and you legit have an account that's aged 1 month by definition. The 1st of the month thing seems a bit odd to me.

3 years ago

Tue Nov 02, 2021 6:02 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

We checked my friend's CK account today because Nov 1 should be 3 months VS3 age for her single credit card account. EQ VS3 only went up +1 point...wow, thought it would have been much more, like I saw when I got my first credit cards. But TU VS3 stayed the same? Usually VS3 gains/losses are the equal across all 3 bureaus. There is something different between her report and mine, though. Hers only shows 2 checkmarks so far for payments (Aug and Sep). I'm wondering if that has to be 3 for the major boost I saw at 3mos VS3 aging? (Single $1500 limit credit card on a file that is only 3 months old according to VS3, but 4 months old for FICO. Account opened on July 30th, 2021.)

vs3-new-credit-3mos.png 26.81 KiB Viewed 188 times

3 years ago

Tue Nov 02, 2021 10:16 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, 22 hours, and 2 minutes Next Level in15 days, 1 hour, and 58 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 2 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 2 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 2 minutes ago

While the aging factors would increase with TU/EQ at the same time, maybe a reported balance or something is different between the 2 bureaus based on the time the scores were generated?

3 years ago

Wed Nov 03, 2021 12:49 am

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

BrutalBodyShots wrote: ↑Tue Nov 02, 2021 10:16 pm While the aging factors would increase with TU/EQ at the same time, maybe a reported balance or something is different between the 2 bureaus based on the time the scores were generated?

It's showing $0 for both. She just put a $300 charge on it last week, but we don't even know when it closes now because she can't even activate the BofA mobile app due to some technical issue with the number used for SMS text activation. (I think they have an old number of hers in a separate part of the system. She can sign in with username/password but can't get past the SMS verification because she never receives it, and no one at BofA has been able to figure it out yet.) She never got a statement in the mail, probably because it was always $0 reporting. She would charge something under $100 and go pay it within a few days right at the local branch!

3 years ago

Wed Nov 03, 2021 10:03 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 22 hours, and 2 minutes Next Level in19 days, 1 hour, and 58 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 1 hour, and 58 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 1 hour, and 58 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 1 hour, and 58 minutes

Cassie wrote: ↑Tue Oct 19, 2021 11:34 pm
BrutalBodyShots wrote: ↑Tue Oct 19, 2021 9:23 pm Definitely a theory worth testing and hopefully finding the answer to. Are there any other known VS3 age factor thresholds that we can look to testing outside of a new file?
If someone gets a new card and sees a dip on VS3, they are likely to see most of that come back at either 3mo or 6mo. Thomas_Thumb's graph from a VS3 PDF only showed the gain at 3mo, but I've seen it twice now at both 3mo and 6mo with VS3. So 3mo and 6mo thresholds. Did your EQ VS3 score recently lose points after new cards showed up on your file? I'm using EQ here because you said most of the inquiries were on EX. I'm just wondering how profiles with longer credit history react to new accounts on VS3.

I'll certainly try to keep an eye on mine. My new accounts from my spree are starting to report, and I've seen some score loss on VS3. Will be interesting to see if there's a rebound at 3 or 6 months.

3 years ago

Thu Nov 04, 2021 9:27 pm

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, 22 hours, and 2 minutes Next Level in24 days, 1 hour, and 58 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 2 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 2 minutes ago

Cassie wrote: ↑Tue Nov 02, 2021 6:02 pm We checked my friend's CK account today because Nov 1 should be 3 months VS3 age for her single credit card account. EQ VS3 only went up +1 point...wow, thought it would have been much more, like I saw when I got my first credit cards. But TU VS3 stayed the same? Usually VS3 gains/losses are the equal across all 3 bureaus. There is something different between her report and mine, though. Hers only shows 2 checkmarks so far for payments (Aug and Sep). I'm wondering if that has to be 3 for the major boost I saw at 3mos VS3 aging? (Single $1500 limit credit card on a file that is only 3 months old according to VS3, but 4 months old for FICO. Account opened on July 30th, 2021.) vs3-new-credit-3mos.png

@Cassie if the files are exactly the same on VS3, the scores will be exactly the same across bureaus, as you said there is a difference.

3 years ago

Fri Nov 05, 2021 6:03 am

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

Birdman wrote: ↑Thu Nov 04, 2021 9:27 pm @Cassie if the files are exactly the same on VS3, the scores will be exactly the same across bureaus, as you said there is a difference.

My own Credit Karma TU report is stale now. It hasn't updated since September, but they keep reminding me that it's 'Updated Daily' now like WalletHub does. It's still showing my credit union Mastercard with a $2000 limit instead of the new for October $3000, and also a reported balance of $180 (9.00% exactly), which means I'm at 4-of-4 with a balance. Interesting that I only lose a single point on VS3 at 4-of-4 reporting a balance, everything at or under 9%. (769 TU, 770 EQ).

3 years ago

Fri Nov 05, 2021 9:55 am

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, 22 hours, and 2 minutes Next Level in24 days, 1 hour, and 58 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 2 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 2 minutes ago

Someone said the CK updates have been funky lately. IDK if that’s been resolved.

3 years ago

Fri Nov 05, 2021 3:52 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 22 hours, and 2 minutes Next Level in19 days, 1 hour, and 58 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 1 hour, and 58 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 1 hour, and 58 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 1 hour, and 58 minutes

Birdman wrote: ↑Fri Nov 05, 2021 9:55 am Someone said the CK updates have been funky lately. IDK if that’s been resolved.

On CK, there seems to be no rhyme or reason to how often my TU updates anymore, but @Cassie did you say yours is stale from September? Mine just updated yesterday. I have noticed that if I click on the TU score, and then click on the 'view full credit report' it will sometimes pull a new update that just going to the home screen doesn't trigger. My EQ updates like clockwork weekly.

3 years ago

Fri Nov 05, 2021 4:02 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

SoonerSoldier33 wrote: ↑Fri Nov 05, 2021 3:52 pm
Birdman wrote: ↑Fri Nov 05, 2021 9:55 am Someone said the CK updates have been funky lately. IDK if that’s been resolved.
On CK, there seems to be no rhyme or reason to how often my TU updates anymore, but @Cassie did you say yours is stale from September? Mine just updated yesterday. I have noticed that if I click on the TU score, and then click on the 'view full credit report' it will sometimes pull a new update that just going to the home screen doesn't trigger. My EQ updates like clockwork weekly.

lol I went to try that just now but before I could even get a chance I got the usual 'retrieving credit report' popup that usually shows up with weekly EQ updates. TU is now fully updated for me!

ck_finally_updated-nov_5_21.png 26.15 KiB Viewed 189 times

3 years ago

Fri Nov 05, 2021 4:08 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 22 hours, and 2 minutes Next Level in19 days, 1 hour, and 58 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 1 hour, and 58 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 1 hour, and 58 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 1 hour, and 58 minutes

[/quote]@Cassie if the files are exactly the same on VS3, the scores will be exactly the same across bureaus, as you said there is a difference.
[/quote]

My TU and EQ reports are seemingly identical, but there must be something a little different in how my 2 last reporting baddies with balances have been reported/coded (late payments before CO, etc) bc my TU and EQ VS3 scores never match even though the reports are seemingly identical.

3 years ago

Fri Nov 05, 2021 4:10 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 22 hours, and 2 minutes Next Level in19 days, 1 hour, and 58 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 1 hour, and 58 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 1 hour, and 58 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 1 hour, and 58 minutes

Cassie wrote: ↑Fri Nov 05, 2021 4:02 pm
SoonerSoldier33 wrote: ↑Fri Nov 05, 2021 3:52 pm
Birdman wrote: ↑Fri Nov 05, 2021 9:55 am Someone said the CK updates have been funky lately. IDK if that’s been resolved.
On CK, there seems to be no rhyme or reason to how often my TU updates anymore, but @Cassie did you say yours is stale from September? Mine just updated yesterday. I have noticed that if I click on the TU score, and then click on the 'view full credit report' it will sometimes pull a new update that just going to the home screen doesn't trigger. My EQ updates like clockwork weekly.
lol I went to try that just now but before I could even get a chance I got the usual 'retrieving credit report' popup that usually shows up with weekly EQ updates. TU is now fully updated for me!

Yay! CKs not totally worthless, LOL, so I'm glad yours updated finally!

3 years ago

Mon Nov 15, 2021 6:12 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 2 minutes Next Level in6 days, 1 hour, and 58 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 2 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 2 minutes ago

-10 points at 283/1500, 19% aggregate, single revolving account at 3mo.

This is her first under 700 VS3 score. 694 TU, 709 EQ.

We still haven't seen her highest possible VS3 score at 4% util.

3 years ago

Tue Nov 16, 2021 11:56 pm

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, 22 hours, and 2 minutes Next Level in24 days, 1 hour, and 58 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 2 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 2 minutes ago

SoonerSoldier33 wrote: ↑Fri Nov 05, 2021 4:08 pm

@Cassie if the files are exactly the same on VS3, the scores will be exactly the same across bureaus, as you said there is a difference. [/quote] My TU and EQ reports are seemingly identical, but there must be something a little different in how my 2 last reporting baddies with balances have been reported/coded (late payments before CO, etc) bc my TU and EQ VS3 scores never match even though the reports are seemingly identical. [/quote] @SoonerSoldier33 pull your ACRs and compare them and look for the difference, there has to be one!