Last CA comes off and I am confused?

2 years ago

Thu Jun 30, 2022 3:17 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Should I just go ahead and do a MF 3B pull now and then do another after util updates for all revolvers?

2 years ago

Thu Jun 30, 2022 3:22 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 37 minutes Next Level in27 days, 10 hours, and 23 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 37 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 37 minutes ago

LaHossBoss wrote: ↑Thu Jun 30, 2022 3:10 pm So, my last CA randomly came off TU and EX early today!

That's 665 to 746 on EX2 ?!?!

2 years ago

Thu Jun 30, 2022 3:25 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 37 minutes Next Level in27 days, 10 hours, and 23 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 37 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 37 minutes ago

LaHossBoss wrote: ↑Thu Jun 30, 2022 3:17 pm Should I just go ahead and do a MF 3B pull now and then do another after util updates for all revolvers?

I'd wait a few days for MF to catch up, and then you could also capture any 1st of the month changes in that report. With so many pairs of aging values (Oldest + Average on everything), something good might happen!

2 years ago

Thu Jun 30, 2022 3:31 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Cassie wrote: ↑Thu Jun 30, 2022 3:22 pm
LaHossBoss wrote: ↑Thu Jun 30, 2022 3:10 pm So, my last CA randomly came off TU and EX early today!
That's 665 to 746 on EX2 ?!?!

I know! That has got me super excited, but it has me so puzzled that my EX F8 only gained +35 pts? That was seriously underwhelming, but nothing in comparison to my confusion *losing* -2 pts on TU F8!?

2 years ago

Thu Jun 30, 2022 3:33 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Ah.... @Birdman .... I am going to guess this has something to do with scorecard reassignment? EX went from PR to Clean, but due to the unfortunate (and incorrect, but nothing I can do about it) SL lates on TU, I went from PR to Dirty scorecard. Still, why would the punishment be so severe? I would have still expected a gain of *some* sort, and not a *loss*!?

2 years ago

Fri Jul 01, 2022 10:06 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

I wonder if the lack of score changes were because my TU was locked.

I noticed on CK that my "current report" ?that claims it is updated daily) was from 6/18.

I will say CK did not reflect at all that my CA was removed, but MF and EX did. Not sure if those score changes are accurate or not, though.

I unlocked it so I guess we will see what happens now.

2 years ago

Sat Jul 02, 2022 6:38 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

@Birdman @BrutalBodyShots and others that are interested in only CA aging off scoring changes. I couldn't bear it any longer and did a 3B pull from MF, with my TU report unlocked (in case that made some sort of difference). It looks like for TU, the score drops are real: Remember, TU is now "just" dirty and not a PR scorecard anymore. Only multiple, old (5+ yrs), and severe lates, no COs or other derogs. F8s all dropped, but not drastic. F4s, F9s, and F10s all increased, some drastcially, some minimally. For EX: 100% clean All scores increased, some drastic, some only minimal. Now I think some of the results are a bit disappointing because agg util is at exactly 50%. I will pull again once all cards update in about 2 weeks.

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2 years ago

Sat Jul 02, 2022 7:20 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 13 hours, and 37 minutes Next Level in27 days, 10 hours, and 23 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 37 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 37 minutes ago

LaHossBoss wrote: ↑Sat Jul 02, 2022 6:38 pm I couldn't bear it any longer and did a 3B pull from MF...

I completely understand this and would do the same. lol Your data is going to help a lot!

2 years ago

Sat Jul 02, 2022 7:23 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Cassie wrote: ↑Sat Jul 02, 2022 7:20 pm
LaHossBoss wrote: ↑Sat Jul 02, 2022 6:38 pm I couldn't bear it any longer and did a 3B pull from MF...
I completely understand this and would do the same. lol Your data is going to help a lot!

Thanks! I did at least take your advice and wait until after the 1st. Not sure if that made a difference or not since it is a holiday weekend, but I would like to think so!

2 years ago

Sun Jul 03, 2022 4:41 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 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago

LaHossBoss wrote: ↑Thu Jun 30, 2022 3:33 pm Ah.... @Birdman .... I am going to guess this has something to do with scorecard reassignment? EX went from PR to Clean, but due to the unfortunate (and incorrect, but nothing I can do about it) SL lates on TU, I went from PR to Dirty scorecard. Still, why would the punishment be so severe? I would have still expected a gain of *some* sort, and not a *loss*!?

@LaHossBoss The reason why is because a delinquency scorecard seems to be harder on utilization than a public record scorecard. Factors are weighted differently. Likewise version eight is much harder on utilization than the older versions. Sorry I wasn’t around the last couple days, did you ever chat with that guy on Reddit that needed the student loan help?

2 years ago

Sun Jul 03, 2022 10:46 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Birdman wrote: ↑Sun Jul 03, 2022 4:41 am
LaHossBoss wrote: ↑Thu Jun 30, 2022 3:33 pm Ah.... @Birdman .... I am going to guess this has something to do with scorecard reassignment? EX went from PR to Clean, but due to the unfortunate (and incorrect, but nothing I can do about it) SL lates on TU, I went from PR to Dirty scorecard. Still, why would the punishment be so severe? I would have still expected a gain of *some* sort, and not a *loss*!?
@LaHossBoss The reason why is because a delinquency scorecard seems to be harder on utilization than a public record scorecard. Factors are weighted differently. Likewise version eight is much harder on utilization than the older versions. Sorry I wasn’t around the last couple days, did you ever chat with that guy on Reddit that needed the student loan help?

Thanks for your input! As util comes down over the next month, we can track this together! According to MF sim (I understand it is a toy, but can give some insights) the util gains can be worth +40pts (TU) to +70pts (EX) for F8, alone. This backs what you are saying about the delinquency scorecard and F8 being more critical of being "dirty". It also "claims" that once my newest revolver hits 1yr (in 5 mo), that it is worth 40pt on TU, but only an additional 10pt on EX. So it seems like length of history or maybe no new accts/apps are weighted more heavily for delinquency scorecards, too, with the gains being higher for refraining from new credit. It is interesting that F9s and F10s were more forgiving than F8s on the delinquency scorecard... I am just so happy to no longer be on a PR scorecard and be 100% clean on EX! I was a little sad because I thought going 100% clean, at least on EX, would have finally pushed me to the "Very Good" category....but not yet. I guessing it will be a fairly easy fix playing with the utilization. I am proud that at a minimum, my EX2 is in the "Very Good" range! Not bad for 3 new accounts and 50% agg util! I want to celebrate with a little spree once my util is in check. I will not be waiting 5 months. More like 1-2 months lol Now for EQ to be 100% clean in Mar/April!

2 years ago

Sun Jul 03, 2022 11:26 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

I am also noticing that my F9s on TU had huge gains in compairson to my gains on EX.

So, I guess we could say that even while on a delinquency scorecard, F9s punish less severely for higher util than on a clean scorecard?

Whereas most F10s (aside from trended, I believe, where both received good gains, but the clean scorecard still gained more points) gave higher gains on a clean scorecard than on a delinquency scorecard.

My F9s and 10s always hated me. They despised CAs and always ran very low in comparison to other scores.

2 years ago

Sun Jul 03, 2022 11:38 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 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago

LaHossBoss wrote: ↑Sun Jul 03, 2022 10:46 am
Birdman wrote: ↑Sun Jul 03, 2022 4:41 am
LaHossBoss wrote: ↑Thu Jun 30, 2022 3:33 pm Ah.... @Birdman .... I am going to guess this has something to do with scorecard reassignment? EX went from PR to Clean, but due to the unfortunate (and incorrect, but nothing I can do about it) SL lates on TU, I went from PR to Dirty scorecard. Still, why would the punishment be so severe? I would have still expected a gain of *some* sort, and not a *loss*!?
@LaHossBoss The reason why is because a delinquency scorecard seems to be harder on utilization than a public record scorecard. Factors are weighted differently. Likewise version eight is much harder on utilization than the older versions. Sorry I wasn’t around the last couple days, did you ever chat with that guy on Reddit that needed the student loan help?
Thanks for your input! As util comes down over the next month, we can track this together! According to MF sim (I understand it is a toy, but can give some insights) the util gains can be worth +40pts (TU) to +70pts (EX) for F8, alone. This backs what you are saying about the delinquency scorecard and F8 being more critical of being "dirty". It also "claims" that once my newest revolver hits 1yr (in 5 mo), that it is worth 40pt on TU, but only an additional 10pt on EX. So it seems like length of history or maybe no new accts/apps are weighted more heavily for delinquency scorecards, too, with the gains being higher for refraining from new credit. It is interesting that F9s and F10s were more forgiving than F8s on the delinquency scorecard... I am just so happy to no longer be on a PR scorecard and be 100% clean on EX! I was a little sad because I thought going 100% clean, at least on EX, would have finally pushed me to the "Very Good" category....but not yet. I guessing it will be a fairly easy fix playing with the utilization. I am proud that at a minimum, my EX2 is in the "Very Good" range! Not bad for 3 new accounts and 50% agg util! I want to celebrate with a little spree once my util is in check. I will not be waiting 5 months. More like 1-2 months lol Now for EQ to be 100% clean in Mar/April!

There is no scorecard change at 12 months for new account in a delinquency Scorecard. There is no new account loss or bonus in a delinquency scorecard. If somethings happening at 12 months AoYRA, that is not that metric causing it. That’s in the new credit category though. AoYA is in the length of history, and it could be an aging threshold(s)./what will be your AoORA/AAoRA? Any inquiries aging off?

2 years ago

Sun Jul 03, 2022 12:34 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

@Birdman , well, it is the simulator, afterall. Probably just smoke in mirrors. There will be no inquiries aging off (or hitting 1 yr) and TU only inq will hit 1yr in 4 months. I dont believe any significant aging thresholds will be crossed. Just newest account (revolver) hitting 1 yr. According to MF, I hit 16yr this month for AoOA and next month I will hit 8yr AAoA. Not sure about the nitty gritty like AAoRA. So in 5 months, there is no specific aging threshold. AoORA will be just under 3yr. 2yr 10mo, to be exact. My oldest revolver (open 2008) is only reporting to EX/EQ. It has aged off TU, they go by closed date, vs EX and EQ - they go by date last updated (I have watched lots of old, closed accounts age off). That will be a sad day 9/2023 (EX) and 3/2024 (EQ) when my oldest revolver ages off. Edit: Unless my math is wrong, 12/2022 my AAoRA will be 23.333mo. If I am wrong, it may be 2yr, I will double check, as that would make more sense.

2 years ago

Sun Jul 03, 2022 12:46 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 37 minutes Next Level in22 days, 10 hours, and 23 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 37 minutes ago

Yup, 23.333mo AAoRA on 12/2022.

Unless they round up to whole numbers for anything over .01, it doesn't make sense.

On 1/2023, I will have 24.33 AAoRA, but the simulator had no scoring changes going from 12/22 to 1/23.