17 of 20
3 years ago
Wed Dec 22, 2021 1:18 pm
Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
BrutalBodyShots wrote: ↑Tue Dec 21, 2021 5:06 pm@BrutalBodyShots No I don’t think you misspoke. And I think you’re right now as well. Non-mortgage installment loan information matters more on a new revolver card relative to a no-new Revolver Scorecard. And we know that because with your aging factors been nearly the same and very strong it appears on a new revolver card where it does not appear on a No new Revolver card. But you’re absolutely right that it matters more than your aging factors which are strong, I cannot make that conclusion for the majority of cases because the majority of cases don’t have aging factors as strong as yours. All I can conclude is that it’s more important on a new revolver card. Now the only possible exception is if you cross the threshold for aging making it less important, but we’ll find out when you go back to a no new revolver card, hopefully. Plus we will need a second case to confirm it, but I would say it’s a highly probable theory waiting to be confirmed. You were asking me a question and I was simply saying that it’s too big of a statement for me to conclude without more data. I can’t conclude it for dirty Scorecards because we don’t have enough data. But I’m fairly confident it does apply to all clean cards on that version.Birdman wrote: ↑Tue Dec 21, 2021 4:33 pm @BrutalBodyShots that’s a big statement to make without enough data to consult. I would opine that it matters on all clean Scorecards on TU4, but Without more data and analysis, I can’t speak for dirty ones. Yes the weighting will definitely vary. There is no free trial for TU for any where is there? Wait a minute do your MF thing.I sort of misspoke I think. It's not that non-mortgage installment loan information matters more on a new revolver scorecard relative to a no new revolver scorecard necessarily, it simply matters more than my aging factors. Since my aging factors are pretty strong and certainly above average, I would then say that non-mortgage installment loan information may matter more than aging factors in the majority of cases on a new accounts scorecard for TU4. I gladly take a look at my scores via MF, but I think we concluded that negative statements are dropped at 800+. Since my TU4 is above that already I don't think I'd get any codes provided. I will definitely check though in another week or two once my file is back at AZEO as I was planning a 28 score pull at that time.
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- Tagline Co-Founder
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Score data
EQ8-827; TU8-817; EX8-816
EQ5-751; TI4- 800; EX2-814 - Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA AoOIA 49mo AoOMA 0m
- AoORA 540 months
- Date of Last Inquiry and/or New Account Opening March 2nd, 2022
