New Card reported!

3 years ago

Tue Dec 14, 2021 7:35 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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

How much of the score change do you think is from the new account itself and how much do you think is from the utilization increase?

I suppose taking the utilization down and having it report lower would somewhat answer that question.

3 years ago

Wed Dec 15, 2021 9:32 am

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago

@BrutalBodyShots , I am curious, too. We will definitely have to see once util is brought down, but it won't be a perfect answer. I wish it hadn't posted with a balance, but it is done already!

3 years ago

Wed Dec 15, 2021 12:31 pm

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago

EX has now updated - ouch!

Screenshot_20211215-122746_myFICO.jpg 155.85 KiB Viewed 104 times

New scores:

Screenshot_20211215-094314_Experian.jpg 224.56 KiB Viewed 104 times

Old scores:

Screenshot_20211215-094620_Chrome.jpg 201.66 KiB Viewed 104 times

-33pts!

Screenshot_20211215-094640_Chrome.jpg 189.18 KiB Viewed 104 times

-26pts

Screenshot_20211215-094656_Chrome.jpg 179.18 KiB Viewed 104 times

-18pts

Screenshot_20211215-094712_Chrome.jpg 186.24 KiB Viewed 104 times

-54pts!

Screenshot_20211215-094722_Chrome.jpg 206.4 KiB Viewed 104 times

-24pts

Screenshot_20211215-094743_Chrome.jpg 184.35 KiB Viewed 104 times

-20pts

3 years ago

Wed Dec 15, 2021 3:42 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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

I have a feeling that the utilization increase is responsible for the majority of the score drop, but no way of knowing for sure.

3 years ago

Wed Dec 15, 2021 6:24 pm

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago

BrutalBodyShots wrote: ↑Wed Dec 15, 2021 3:42 pm I have a feeling that the utilization increase is responsible for the majority of the score drop, but no way of knowing for sure.

Well, not only am I above 70% ind util, but I also crossed above 30% agg util threshold (I am at 35%) We will see how fast Cash+ and Custom Cash report. That should bring my agg util down, but ind util will not be fixed until next month.

3 years ago

Wed Dec 15, 2021 9:09 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, 24 days, 13 hours, and 38 minutes Next Level in6 days, 10 hours, and 22 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 38 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 38 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 38 minutes ago

LaHossBoss wrote: ↑Wed Dec 15, 2021 6:24 pm Well, not only am I above 70% ind util, but I also crossed above 30% agg util threshold (I am at 35%)

Right, so you've crossed multiple significant thresholds. I'd imagine that's more impactful than the age of accounts change.

3 years ago

Thu Dec 16, 2021 12:02 am

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 38 minutes Next Level in9 days, 10 hours, and 22 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 38 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 38 minutes ago

That is not too bad of a score decrease.

Did you forecast your aggregate utilization ratio against your future TCL?

3 years ago

Fri Dec 17, 2021 2:42 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 38 minutes Next Level in15 days, 10 hours, and 22 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 38 minutes ago

No new account penalty dirty card.

3 years ago

Fri Dec 17, 2021 2:45 am

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 38 minutes Next Level in22 days, 10 hours, and 22 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 38 minutes ago

Birdman wrote: ↑Fri Dec 17, 2021 2:42 am No new account penalty dirty card.

I meant in terms of AAoA/AAoRA reduction

3 years ago

Fri Dec 17, 2021 3:15 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 38 minutes Next Level in15 days, 10 hours, and 22 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 38 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 38 minutes ago

My bad that’s definitely a possibility.