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. TU830.jpeg
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TU8 830 negative reason codes

1 of 3
3 years ago
Wed Nov 17, 2021 3:38 pm
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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, 24 days, 13 hours, and 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 32 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 32 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 32 minutes ago
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.
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BrutalBodyShots
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Re: TU8 830 negative reason codes

2 of 3
3 years ago
Sat Nov 20, 2021 12:26 am
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Birdman
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Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 32 minutes Next Level in15 days, 10 hours, and 28 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 32 minutes ago
So you have all BWB and almost all AWB.

And that is indicative of the fact that AWB is more important on a new revolver Scorecard. Now do the same test when you’re in a no new Revolver Scorecard and see if the signal strength is as high, I bet it’s not!
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: TU8 830 negative reason codes

3 of 3
3 years ago
Sat Nov 20, 2021 12:41 am
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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, 24 days, 13 hours, and 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 32 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 32 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 32 minutes ago
BWB?

Yes, you're likely correct. Of course, in moving to a no new revolver scorecard it automatically eliminates my second reason code. Regardless, AWB would likely be the #1 code for either scorecard. It will be cool to see the difference though. I do have data from my last time going from NZ to AZEO to AZ then back to AZEO and NZ while on a no new revolver scorecard, but my file was probably 3 years younger at the time. Comparing will still be useful though I think.
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