Thought I'd post about this since it was interesting. So this code appeared when I went from 3 recently opened accounts (2 bank cards, 1 HELOC) to 4 (3 bank cards, 1 HELOC). By recent I'm talking accounts opened within the last 6 months. What is a bit confusing to me though is that the code uses the word "proportion" of accounts, as if it's looking at the number of recently opened accounts relative to total accounts, or a percentage of recently opened accounts. If that's the case and I had (say) 20+ open accounts instead of just 11, I wonder if the code wouldn't appear? VS4.jpg
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Too high proportion of accounts recently opened

1 of 7
3 years ago
Wed Nov 03, 2021 5:56 pm
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BrutalBodyShots
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BrutalBodyShots has been gardening for over 2 years.
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Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 6 minutes Next Level in15 days, 3 hours, and 54 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 6 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 6 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 6 minutes ago
Thought I'd post about this since it was interesting. So this code appeared when I went from 3 recently opened accounts (2 bank cards, 1 HELOC) to 4 (3 bank cards, 1 HELOC). By recent I'm talking accounts opened within the last 6 months. What is a bit confusing to me though is that the code uses the word "proportion" of accounts, as if it's looking at the number of recently opened accounts relative to total accounts, or a percentage of recently opened accounts. If that's the case and I had (say) 20+ open accounts instead of just 11, I wonder if the code wouldn't appear?
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BrutalBodyShots
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Re: Too high proportion of accounts recently opened

2 of 7
3 years ago
Wed Nov 03, 2021 8:21 pm
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BrutalBodyShots
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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, 15 days, 20 hours, and 6 minutes Next Level in15 days, 3 hours, and 54 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 6 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 6 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 6 minutes ago
I should add though that in reading the text related to that reason code, "proportion" doesn't really seem to be a thing at all... but rather raw number. From reading the text my take is that there's a hard number, perhaps moving from 3 to 4, that would result in that negative reason code and possibly not the proportion or percentage.
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Re: Too high proportion of accounts recently opened

3 of 7
3 years ago
Wed Nov 03, 2021 9:44 pm
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SoonerSoldier33
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Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 20 hours, and 6 minutes Next Level in19 days, 3 hours, and 54 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 3 hours, and 54 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 3 hours, and 54 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 3 hours, and 54 minutes
It will be interesting to see if I get a code similar to this. I only had 5 open tradelines (4 revolvers, 1 installment) before my recent spree. As the new accounts report, a significant 'proportion' of my accounts will be new. Although, I have bigger negative codes rearing their ugly heads, so they may not need to nit pick me to tell me what's holding my scores back. LOL
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Re: Too high proportion of accounts recently opened

4 of 7
3 years ago
Wed Nov 03, 2021 9:52 pm
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BrutalBodyShots
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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, 15 days, 20 hours, and 6 minutes Next Level in15 days, 3 hours, and 54 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 6 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 6 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 6 minutes ago
Do you have a source (Synchrony?) for your VS4 / reason codes?
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Re: Too high proportion of accounts recently opened

5 of 7
3 years ago
Wed Nov 03, 2021 9:57 pm
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 20 hours, and 6 minutes Next Level in19 days, 3 hours, and 54 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 3 hours, and 54 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 3 hours, and 54 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 3 hours, and 54 minutes
BrutalBodyShots wrote: Wed Nov 03, 2021 9:52 pm Do you have a source (Synchrony?) for your VS4 / reason codes?
I do not! And, you know how out of practice I am after just a few days gone? I just realized this is a VS4 thread. Be kind to me. LOL. :obscene-drinkingdrunk:
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  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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Re: Too high proportion of accounts recently opened

6 of 7
3 years ago
Wed Nov 03, 2021 10:02 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 !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 6 minutes Next Level in15 days, 3 hours, and 54 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 6 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 6 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 6 minutes ago
LOL, all good!
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Re: Too high proportion of accounts recently opened

7 of 7
3 years ago
Sat Nov 06, 2021 9:00 pm
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Birdman
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Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 6 minutes Next Level in24 days, 3 hours, and 54 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 6 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 6 minutes ago
Lol

The use of the word proportion is suspicious.
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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