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3 years ago
Sun Nov 21, 2021 11:29 pm
LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
So what should have been my last baddie (thanks, WayPoint for Comcast) aged off EQ early! So bittersweet, but still happy nonetheless! It would have been great to see that "exceptional" and over 800 F8 score, but I will continue to bide my time and fight WayPoint on having it removed.
@Birdman @Cassie @BrutalBodyShots @GApeachy @Kkboom @Slabenstein
I know it says +0 pt today, but I had done a 3B pull before the SS, so there are not gains listed. Not sure what came from where, but I got +7 pt and then +40 pt from EQ, so a total of +47 pt, bringing me from 660 > 707 EQ F8!
Now this score hike is not from the baddie aging off, alone. It looked like it took in multiple changes, my Cap One was brought down from maxxed out to under 10% util, and because of my CLI on Cap One it also brought down my overall util to 13%. I should be at AZEO soon and will be reporting in the couple weeks, so we will see what happens then, score-wise.
For util changes (individual and agg) TU gave me +39 pt and EX gave me +36 pt. I am thinking that +40 pt on EQ is from util changes and the +7 pt is from the baddie aging off.
I had lost -29 pt on TU and -32 pt on EX for being maxxed out, so I got those pts back from going back under 10% ind util and then I think the extra pts were from going from 64% agg util to 13% agg util.
Of note - I noticed that while the baddie that aged off was a CA, it was never listed under the CA category on my EQ report, it was always listed under "other". So because it was listed like that, the Fico score changes that occured when it aged off, and the fact that there is still another CA reporting - I feel like this was being scored more like a CO (like some of my SL CAs I previously had) than a CA, even though it was a CA. It was a +7 pt gain, and not a lot gained from it aging off, so perhaps this was just a larger than usual boost from a CA aging off while still having another still reporting. I usually get +0 pt, so maybe beyond 2 or 3 CAs they become worth nothing as they age off.
Unfortunately, I still seem to never be able to be fully clean and I still have that wretched comcast CA via WayPoint reporting on EQ alone for the next 18 months, give or take.
Click images to enlarge them.
- Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
- Classic 8 Scorecard DIRTY/PUBLIC-RECORD/MATURE
- Mortgage Scorecard DIRTY/PUBLIC-RECORD
- AoOA 16y
- AoORA 14y 4m 2y 5m
- Date of Last Inquiry and/or New Account Opening December 9th, 2021