As we saw with my EQ F8, the same happened to my EQ VS3.0 - it got decimated from the reporting of my BestBuy Visa. That is ok, though, as we already know, I have over 70% ind util and over 30% agg util reporting, as well as it being a new account. I agree with BrutalBodyShots , from my Fico score change thread, that the AAoA is probably not the biggest factor here, but rather all the util thresholds that were crossed. My AAoA is still around 10yrs and my AAoRA is still between 1-2 yrs, as before it reported. According to CK, it is 10yrs flat for AAoA. Screenshot_20211216-183843_Credit Karma.jpg
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My EQ VS3.0 just got pummeled!

1 of 7
3 years ago
Thu Dec 16, 2021 6:41 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 57 minutes Next Level in1 day, 2 hours, and 3 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 57 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 57 minutes ago
As we saw with my EQ F8, the same happened to my EQ VS3.0 - it got decimated from the reporting of my BestBuy Visa. That is ok, though, as we already know, I have over 70% ind util and over 30% agg util reporting, as well as it being a new account. I agree with @BrutalBodyShots, from my Fico score change thread, that the AAoA is probably not the biggest factor here, but rather all the util thresholds that were crossed. My AAoA is still around 10yrs and my AAoRA is still between 1-2 yrs, as before it reported. According to CK, it is 10yrs flat for AAoA.
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LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: My EQ VS3.0 just got pummeled! TU - not too bad.

2 of 7
3 years ago
Thu Dec 16, 2021 6:44 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 57 minutes Next Level in1 day, 2 hours, and 3 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 57 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 57 minutes ago
My TU VS3.0 also got hit, but not nearly as badly as my EQ VS3.0.
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LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: My EQ VS3.0 just got pummeled!

3 of 7
3 years ago
Thu Dec 16, 2021 8:15 pm
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BrutalBodyShots
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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, 21 hours, and 57 minutes Next Level in15 days, 2 hours, and 3 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 57 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 57 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 57 minutes ago
It appears that the second score change was accompanied by quite a few balance decreases. Maybe some of those helped result in a lower score drop?
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Re: My EQ VS3.0 just got pummeled!

4 of 7
3 years ago
Thu Dec 16, 2021 9:07 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 57 minutes Next Level in1 day, 2 hours, and 3 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 57 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 57 minutes ago
BrutalBodyShots wrote: ↑Thu Dec 16, 2021 8:15 pm It appears that the second score change was accompanied by quite a few balance decreases. Maybe some of those helped result in a lower score drop?
I dont think so. The balances on all but the auto loan are above 100% util. The auto loan is at 92% util.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: My EQ VS3.0 just got pummeled!

5 of 7
3 years ago
Thu Dec 16, 2021 9:10 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, 15 days, 21 hours, and 57 minutes Next Level in15 days, 2 hours, and 3 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 57 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 57 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 57 minutes ago
Heard that, you're probably right about that.
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Re: My EQ VS3.0 just got pummeled!

6 of 7
3 years ago
Thu Dec 16, 2021 9:16 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 21 hours, and 57 minutes Next Level in1 day, 2 hours, and 3 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 21 hours, and 57 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 21 hours, and 57 minutes ago
@BrutalBodyShots , now SO may have seen a small gain from his 3 x SLs finally going under 100% util. It appears going over 100% lowers the scores (as seen by recent evidence of SO reporting over 100%), so this may apply to ILs, too.
Screenshot_20211216-211515_Credit Karma.jpg 193.78 KiB Viewed 135 times
Not a huge gain, but that could be the only source of score gain here.
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: My EQ VS3.0 just got pummeled!

7 of 7
3 years ago
Thu Dec 16, 2021 9:18 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, 15 days, 21 hours, and 57 minutes Next Level in15 days, 2 hours, and 3 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 21 hours, and 57 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 21 hours, and 57 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 21 hours, and 57 minutes ago
That is interesting and could very well be the case as you suggest.
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