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3 years ago
Thu Dec 02, 2021 7:50 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 can only speak on clean/aged scorecards, so I'm referring specifically to the difference between no new revolver verses new revolver scorecards on this specific topic.
So when I was on a no new revolver scorecard, my EX8 score was absolutely bulletproof to AWB changes. Whether I was at AZEO or all [revolving] accounts with a balance, my score never budged even a single Fico 8 point. This is with all small balances, so taking utilization percentage out of the equation, of course.
Now that I'm on a new revolver scorecard, I definitely am seeing some score shifts on EX8 related to AWB. I've moved from 10 of 10 to 4 of 10 so far and have seen a shift of 3 points. We'll see what happens when I get back to AZEO.
So my conclusion to something we may have already known, EX8 on a no new revolver clean/aged file may not budge at all, but on a new revolver clean/aged file may and can be impacted by AWB.
So when I was on a no new revolver scorecard, my EX8 score was absolutely bulletproof to AWB changes. Whether I was at AZEO or all [revolving] accounts with a balance, my score never budged even a single Fico 8 point. This is with all small balances, so taking utilization percentage out of the equation, of course.
Now that I'm on a new revolver scorecard, I definitely am seeing some score shifts on EX8 related to AWB. I've moved from 10 of 10 to 4 of 10 so far and have seen a shift of 3 points. We'll see what happens when I get back to AZEO.
So my conclusion to something we may have already known, EX8 on a no new revolver clean/aged file may not budge at all, but on a new revolver clean/aged file may and can be impacted by AWB.
- 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