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3 years ago
Wed Nov 17, 2021 3:38 pm
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've been taking advantage of Discover CLI denial letters to keep an eye on my TU8 negative reason codes. I brought myself to all accounts with a balance except one, which is an open/unused HELOC... so I'm at 10 of 10 revolvers, 1 installment loan (mortgage) and 11 or 12 total accounts with a balance at the time the codes pictured were generated. Basically I just wanted to see where I stood with AWB being in the least optimized position, and with that I'm at a TU8 of 830.
It's interesting to me that AWB is generating my #1 negative reason code, above #2 which is related to scorecard reassignment / new revolver scorecard. I would have thought that #2 would have been "worth" maybe 15-20 points, where #1 would be "worth" probably 10-15, but based on the order of the codes that's not the case. I've already brought about half of my balances down to $0 and will achieve AZEO by the end of the month. At that time I'll grab another list of reason statements from Discover and post it here.
My expectation is that when I move to AZEO my #1 reason code will completely drop off and the remaining 3 will remain in the same order. I have exactly 1 inquiry on TU BTW, so the last reason code should only be impacting me maybe 5 points. I'm expecting a score of maybe 840-842 when I post back in a few weeks when at AZEO. If that's the case, I'm pretty satisfied with the resiliency of my profile since I've opened 4 accounts in the last 6 months... 3 revolvers and 1 HELOC.
- 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