EX Bankcard Score 8 no negative reason code threshold

3 years ago

Mon Dec 13, 2021 7:15 am

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, 20 hours, and 18 minutes Next Level in15 days, 3 hours, and 42 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 18 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 18 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 18 minutes ago

Looks like EX omits them at that value as you suggested. That kind of sucks. It always irritates me with a CMS opts to drop off the codes. I mean, they're still there... so just show them. EQ BCE8 through Citi for example to my knowledge shows them throughout the entire range. I've been as high as 892 on there and still been provided with reason codes and that's the way it should be.

3 years ago

Mon Dec 13, 2021 9:52 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 18 minutes Next Level in18 days, 3 hours, and 42 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 18 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 18 minutes ago

Yeah. It does kinda suck. I do like the negative reason codes for data points. I agree, Experian should show them. I speculate that they omit them to make the customer feel that they have top tier scores?

Fortunately, BoA offers TU8 score and negative reason codes even if you have 800+ scores.

3 years ago

Mon Dec 13, 2021 10:02 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, 20 hours, and 18 minutes Next Level in15 days, 3 hours, and 42 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 18 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 18 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 18 minutes ago

I think they omit them just because once you're at a top tier score (whatever the CMS deems that to be) they really don't "matter" to the average person. We however are not the average person...

The best I have seen with TU8 is Discover, which I believe gives them up to 849, omitting them only at a perfect 850.

3 years ago

Mon Dec 13, 2021 10:15 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 18 minutes Next Level in18 days, 3 hours, and 42 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 18 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 18 minutes ago

True, we are Rebels, Outliers.

That's good to know about Discover. That's a good source for CMS.

3 years ago

Mon Dec 13, 2021 11:56 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, 20 hours, and 18 minutes Next Level in15 days, 3 hours, and 42 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 18 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 18 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 18 minutes ago

Definitely. I forgot (for about 2 years) that their CLI denial letters come with your score/negative reason statements. Even though I stand probably a 1% chance of getting a CLI from them at this point, I'm still requesting a CLI every month or two simply because I know they provide me with negative reason codes at a [relatively] high score.