F10

2 years ago

Tue Apr 05, 2022 6:03 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 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 44 minutes ago

Looking forward to hearing what they tell you. That's a bit off putting that they'd advertise 10 and not include it with the 1B pull.

2 years ago

Tue Apr 05, 2022 9:07 pm

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 44 minutes Next Level in15 days, 10 hours, and 16 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 44 minutes ago

Very cool information I’m gonna go get mine. @Justaguy I remember a 48 month threshold associated with public records I think. I think that might be where the cutoff is between mature and young. But I’ve seen people go seven years and when the 30-day came off, they got points, so what do you mean they are ignoring you? no longer getting the reason code?

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Tue Apr 05, 2022 9:27 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 16 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 16 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 16 minutes

BrutalBodyShots wrote: ↑Tue Apr 05, 2022 6:03 pm Looking forward to hearing what they tell you. That's a bit off putting that they'd advertise 10 and not include it with the 1B pull.

They're actually advertising 10 total scores which is also disingenuous because you only get 4 with the $4.95 offer. The other 6 are the alternate scores on the other two bureaus.

2 years ago

Tue Apr 05, 2022 9:38 pm

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 44 minutes Next Level in15 days, 10 hours, and 16 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 44 minutes ago

Well I must say they have added a new reason code: low down payment on your active installment account lol. I also read the trended reason code. Very interesting wonder if we can get the whole list of codes? @Cassie

2 years ago

Tue Apr 05, 2022 9:50 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 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 44 minutes ago

Birdman wrote: ↑Tue Apr 05, 2022 9:38 pm Well I must say they have added a new reason code: low down payment on your active installment account lol. I also read the trended reason code.

Low down payment? That's a shitty code. I've never put a penny down on any of my auto loans, so I'd be pissed to see that statement. I'd like to see data on default rates of those that put down a low verses high (whatever that may be that doesn't trigger the code) payment. I'd imagine that gets figured by the calculation of the original loan amount and the variance between that and the first reported balance. So what if someone then pays a ridiculously high (say, $5k-$10k) payment Month 2? That's not a down payment and the variance between the original loan balance and Month 1 reported balance will still be the same, so does the negative reason statement stick even after that heavy Month 2 payment gets reported?

2 years ago

Wed Apr 06, 2022 11:12 pm

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level34 Last INQTuesday, November 16, 2021 Gardening For2 years, 10 months, 13 hours, and 44 minutes Next Level in29 days, 10 hours, and 16 minutes on October 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 10 months, 13 hours, and 44 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached10 months, 13 hours, and 44 minutes ago

Birdman wrote: ↑Tue Apr 05, 2022 9:07 pm @Justaguy I remember a 48 month threshold associated with public records I think. I think that might be where the cutoff is between mature and young. But I’ve seen people go seven years and when the 30-day came off, they got points, so what do you mean they are ignoring you? no longer getting the reason code?

No public record here. Just a 30D from November 2017. When that card reported in December 2021, this happened on TU8, with similar change on TU9:

485081A2-5306-4EE7-9738-C9B91C77EEBD.jpeg 38.77 KiB Viewed 205 times

2 years ago

Thu Apr 07, 2022 12:08 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 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 44 minutes ago

Removed from report? Wasn't it still there though?

2 years ago

Thu Apr 07, 2022 1:35 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level34 Last INQTuesday, November 16, 2021 Gardening For2 years, 10 months, 13 hours, and 44 minutes Next Level in29 days, 10 hours, and 16 minutes on October 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 10 months, 13 hours, and 44 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached10 months, 13 hours, and 44 minutes ago

BrutalBodyShots wrote: ↑Thu Apr 07, 2022 12:08 am Removed from report? Wasn't it still there though?

It's... sorta still there. Here's how MF shows it in Reports:

But on the TU report I get from ACR, this card is listed under "Accounts with Adverse Information" and here is the Payment History for 2017:

2 years ago

Fri Apr 08, 2022 6:26 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 44 minutes Next Level in22 days, 10 hours, and 16 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 44 minutes ago

Justaguy wrote: ↑Thu Apr 07, 2022 1:35 am
BrutalBodyShots wrote: ↑Thu Apr 07, 2022 12:08 am Removed from report? Wasn't it still there though?
It's... sorta still there. Here's how MF shows it in Reports: MF Report extract.JPG But on the TU report I get from ACR, this card is listed under "Accounts with Adverse Information" and here is the Payment History for 2017: TU report extract.JPG

This is the same BS I am having with TU and MyFico reports. TU losts multiple lates on previously defaulted SLs (if you know my story, I won't drag it out here), but on MyFico, it shows I have 2 lates, with constantly advancing dates... while I really have multiple and reach the date that is listed for hitting 7 years, on the next report the date advances for when I should theoretically be "clean". All while TU still lists multiple lates for 2 of the 5 SLs that are reporting lates. No score boost, yet (that I know of), since the date advances for the lates. Same for SO.

2 years ago

Fri Apr 08, 2022 6:31 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 44 minutes Next Level in22 days, 10 hours, and 16 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 44 minutes ago

I am a dufus. I didnt even think about checking negative reason codes lol! So most all the score have the general negative reason codes as the other scores, with the exception of 10T. Here are 2 new codes. 1 I find interesting:

historical So, for 10T, AZEO over a long period of time can penalize you if you ever do decide to have multiple accounts report. I almost always reported AZEO for the past 2 years, but recently I have been playing with utilization and balances and now I am being dinged for it because I am trending into debt lol

2 years ago

Fri Apr 08, 2022 6:33 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 44 minutes Next Level in22 days, 10 hours, and 16 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 44 minutes ago

SO also got this new negative reason code for 10T on TU, specifically:

Which I also assumes means trending towards debt.

2 years ago

Fri Apr 08, 2022 6:35 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 44 minutes Next Level in22 days, 10 hours, and 16 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 44 minutes ago

Birdman wrote: ↑Tue Apr 05, 2022 9:38 pm Well I must say they have added a new reason code: low down payment on your active installment account lol. I also read the trended reason code. Very interesting wonder if we can get the whole list of codes? @Cassie

So, I am curious how they figured you put a "low" DP? When you finance the account always begins at 100% util and as far as I can tell, there is no way to exactly determine how much was put down or the original/total price of vehicle....

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Fri Apr 08, 2022 8:41 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 16 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 16 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 16 minutes

So to update, MF said that the 10 scores aren't available with the $19.95 option and that was that. Not even an apology for being misled or an offer to upgrade. Fuck em.

2 years ago

Fri Apr 08, 2022 10:56 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 44 minutes Next Level in22 days, 10 hours, and 16 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 44 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 44 minutes ago

Saeren wrote: ↑Fri Apr 08, 2022 8:41 pm So to update, MF said that the 10 scores aren't available with the $19.95 option and that was that. Not even an apology for being misled or an offer to upgrade. Fuck em.

That is total BS. Especially with the false advertising, they should have honored it!

2 years ago

Sat Apr 09, 2022 12:27 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 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 44 minutes ago

LaHossBoss wrote: ↑Fri Apr 08, 2022 6:35 pm When you finance the account always begins at 100% util and as far as I can tell, there is no way to exactly determine how much was put down or the original/total price of vehicle....

That's exactly what I was thinking. I don't see how any CR data can reveal what a DP on a loan was and since scores are drawn upon CR data, I'm not getting how the algorithm would be able to account for it.

2 years ago

Sat Apr 09, 2022 12:29 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 44 minutes Next Level in6 days, 10 hours, and 16 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 44 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 44 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 44 minutes ago

The trended data negative reason statements are interesting to me and they're ones that I'm sure will take us a while to crack. But, I look forward to it

My gut says that the "time" element has to be within the last 1-2 years, but it would be nice to try to figure it out.