My EQ VS3 just reached it's all time high! Ot was a bittersweet day to see that what should have been my last baddie aged off a little early from EQ yesterday! Screenshot_20211120-213013_Credit Karma.jpg That's right - a +59 point score bump bringing me to 726 for my VS3 score! Now this is not from the baddie aging off, alone. It looked like it took in multiple changes, my Cap One was brought down from maxxed out to under 10% util, and because of my CLI on Cap One it also brought down my overall util to 13%. I should be at AZEO soon and will be reporting in the couple weeks, so we will see what happens then, score-wise. I noticed that while this was a CA, it was never listed under the CA category on my EQ report, it was always listed under "other". So because it was listed like that, the Fico score changes that occured when it aged off, and the fact that there is still another CA reporting - I feel like this was being scored more like a CO (like some of my SL CAs I previously had) than a CA, even though it was a CA. Unfortunately, I still seem to never be able to be fully clean and I still have that wretched comcast CA via WayPoint reporting for the next 18 months, give or take. I will post my F8 score bump in the other thread. Birdman BrutalBodyShots Cassie Saeren Kkboom Slabenstein
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EQ VS3 has biggest bump ever!

1 of 9
3 years ago
Sun Nov 21, 2021 11:06 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
My EQ VS3 just reached it's all time high! Ot was a bittersweet day to see that what should have been my last baddie aged off a little early from EQ yesterday!
Screenshot_20211120-213013_Credit Karma.jpg 66.05 KiB Viewed 168 times
That's right - a +59 point score bump bringing me to 726 for my VS3 score! Now this is not from the baddie aging off, alone. It looked like it took in multiple changes, my Cap One was brought down from maxxed out to under 10% util, and because of my CLI on Cap One it also brought down my overall util to 13%. I should be at AZEO soon and will be reporting in the couple weeks, so we will see what happens then, score-wise. I noticed that while this was a CA, it was never listed under the CA category on my EQ report, it was always listed under "other". So because it was listed like that, the Fico score changes that occured when it aged off, and the fact that there is still another CA reporting - I feel like this was being scored more like a CO (like some of my SL CAs I previously had) than a CA, even though it was a CA. Unfortunately, I still seem to never be able to be fully clean and I still have that wretched comcast CA via WayPoint reporting for the next 18 months, give or take. I will post my F8 score bump in the other thread. @Birdman @BrutalBodyShots @Cassie @Saeren @Kkboom @Slabenstein
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: EQ VS3 has biggest bump ever!

2 of 9
3 years ago
Sun Nov 21, 2021 11:33 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, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
Very solid increase!

Is there typically a scoring difference between the presence of a CA verses a CO? I always thought they were both equally negative derogs that carried the same adverse impact.
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Re: EQ VS3 has biggest bump ever!

3 of 9
3 years ago
Sun Nov 21, 2021 11:39 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
BrutalBodyShots wrote: Sun Nov 21, 2021 11:33 pm Very solid increase! Is there typically a scoring difference between the presence of a CA verses a CO? I always thought they were both equally negative derogs that carried the same adverse impact.
I guess it depends. I should have kept better track, but in my experience so far with mine and my SO's scores over the past couple years, COs seemed to give a good boost each time one came off, where CAs gave little to no score boost when they came off (still other reporting). When it is the last CA that comes off (same with last CO), it gives a big boost. Like I mentioned, CAs have been different in the fact of having no large boosts until the last came off, where COs can each give a large boost if there is a balance (I believe) and also give a large boost when the last one comes off. I am starting to think the score jump may be more from ind util and agg util being reduced drastically. I wish I had watched each change more closely. Which came from the CA and which came from util. I wouldn't be able to tell the difference with util changes since when I got the CLI, I also made a payment and had both util types reduce simultaneously.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: EQ VS3 has biggest bump ever!

4 of 9
3 years ago
Sun Nov 21, 2021 11:41 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
@BrutalBodyShots
Screenshot_20211121-233956_Credit Karma.jpg 252.99 KiB Viewed 163 times
It looks like it is still considered a CA? I mean it is, but EQ never had it listed under CA - it always listed it under "other" on my reports through ACR.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: EQ VS3 has biggest bump ever!

5 of 9
3 years ago
Sun Nov 21, 2021 11:44 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, 22 hours, and 3 minutes Next Level in15 days, 1 hour, and 57 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 3 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 3 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 3 minutes ago
13 changes... man, quite a bit going on there around the same time it seems!
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Re: EQ VS3 has biggest bump ever!

6 of 9
3 years ago
Mon Nov 22, 2021 12:01 am
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 22 hours, and 3 minutes Next Level in1 day, 1 hour, and 57 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 3 minutes ago
BrutalBodyShots wrote: Sun Nov 21, 2021 11:44 pm 13 changes... man, quite a bit going on there around the same time it seems!
Haha, IKR? It was basically updates of all my payments to SL/Auto loans in addition to the CA coming off, Cap One balance decrease, and Cap One CLI. Not enough paid down on any of those loans to impact score, yet (for a long, long time still!).
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: EQ VS3 has biggest bump ever!

7 of 9
3 years ago
Mon Nov 22, 2021 12:06 am
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 22 hours, and 3 minutes Next Level in6 days, 1 hour, and 57 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 22 hours, and 3 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 22 hours, and 3 minutes ago
LaHossBoss wrote: Sun Nov 21, 2021 11:06 pm My EQ VS3 just reached it's all time high!
WOW. Just wow! :) That really made me smile...PLUS 59 WHAT?!?!? :)
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
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Re: EQ VS3 has biggest bump ever!

8 of 9
3 years ago
Mon Nov 22, 2021 12:06 am
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AllZero
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Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 22 hours, and 3 minutes Next Level in18 days, 1 hour, and 57 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 22 hours, and 3 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 22 hours, and 3 minutes ago
Congratulations on your score increases! Nothing but up ☝.
AllZero
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Re: EQ VS3 has biggest bump ever!

9 of 9
3 years ago
Thu Dec 16, 2021 1:31 am
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Birdman
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Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 22 hours, and 3 minutes Next Level in24 days, 1 hour, and 57 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 22 hours, and 3 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 22 hours, and 3 minutes ago
@LaHossBoss how it is classified depends on how the subscriber codes it, what code they put on it to identify it; that’s probably why it showed up as other. The algorithms also classify it by that code, at least fico does, i’m quite sure.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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