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3 years ago
Wed Jul 07, 2021 6:05 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 !!
BrutalBodyShots has achieved the Garden Goal !!
So my AoYA (AoYRA) dropped from > 4 years to 1 month with the opening of a new revolver. After the new account landed on my CR, the change to my VS3 was minimal if anything.
My TU VS3 and EQ VS3 were both 839 to start. Both dipped down into the mid 820's with different balances reporting when I took on a HP to both TU and EQ (1 apiece). After the new account reported and my balances returned to where they were, both my TU VS3 and EQ VS3 sit at 837 currently.
So basically, 1 HP + 1 new account = 2 points loss (for me) on both TU VS3 and EQ VS3. My take on it is that the loss was probably from the inquiry per bureau and that the new account for whatever reason didn't matter score wise.
Anyone know any details on how the VS3 algorithm handles new accounts?
My TU VS3 and EQ VS3 were both 839 to start. Both dipped down into the mid 820's with different balances reporting when I took on a HP to both TU and EQ (1 apiece). After the new account reported and my balances returned to where they were, both my TU VS3 and EQ VS3 sit at 837 currently.
So basically, 1 HP + 1 new account = 2 points loss (for me) on both TU VS3 and EQ VS3. My take on it is that the loss was probably from the inquiry per bureau and that the new account for whatever reason didn't matter score wise.
Anyone know any details on how the VS3 algorithm handles new accounts?
- Tagline Goodwill Saturation Technique Author
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 266 months
- AoORA 266 months
- Date of Last Inquiry and/or New Account Opening May 23rd, 2022
- Garden Goal 24