So what should have been my last baddie (thanks, WayPoint for Comcast) aged off EQ early! So bittersweet, but still happy nonetheless! It would have been great to see that "exceptional" and over 800 F8 score, but I will continue to bide my time and fight WayPoint on having it removed. Screenshot_20211120-213644_myFICO.jpg I know it says +0 pt today, but I had done a 3B pull before the SS, so there are not gains listed. Not sure what came from where, but I got +7 pt and then +40 pt from EQ, so a total of +47 pt, bringing me from 660 > 707 EQ F8! Now this score hike 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. For util changes (individual and agg) TU gave me +39 pt and EX gave me +36 pt. I am thinking that +40 pt on EQ is from util changes and the +7 pt is from the baddie aging off. I had lost -29 pt on TU and -32 pt on EX for being maxxed out, so I got those pts back from going back under 10% ind util and then I think the extra pts were from going from 64% agg util to 13% agg util. Of note - I noticed that while the baddie that aged off 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. It was a +7 pt gain, and not a lot gained from it aging off, so perhaps this was just a larger than usual boost from a CA aging off while still having another still reporting. I usually get +0 pt, so maybe beyond 2 or 3 CAs they become worth nothing as they age off. Unfortunately, I still seem to never be able to be fully clean and I still have that wretched comcast CA via WayPoint reporting on EQ alone for the next 18 months, give or take. Birdman Cassie BrutalBodyShots GApeachy Kkboom Slabenstein
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Early Xmas gift from EQ!

1 of 8
3 years ago
Sun Nov 21, 2021 11:29 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 8 minutes Next Level in1 day, 3 hours, and 52 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 8 minutes ago
So what should have been my last baddie (thanks, WayPoint for Comcast) aged off EQ early! So bittersweet, but still happy nonetheless! It would have been great to see that "exceptional" and over 800 F8 score, but I will continue to bide my time and fight WayPoint on having it removed.
Screenshot_20211120-213644_myFICO.jpg 65.1 KiB Viewed 204 times
I know it says +0 pt today, but I had done a 3B pull before the SS, so there are not gains listed. Not sure what came from where, but I got +7 pt and then +40 pt from EQ, so a total of +47 pt, bringing me from 660 > 707 EQ F8! Now this score hike 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. For util changes (individual and agg) TU gave me +39 pt and EX gave me +36 pt. I am thinking that +40 pt on EQ is from util changes and the +7 pt is from the baddie aging off. I had lost -29 pt on TU and -32 pt on EX for being maxxed out, so I got those pts back from going back under 10% ind util and then I think the extra pts were from going from 64% agg util to 13% agg util. Of note - I noticed that while the baddie that aged off 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. It was a +7 pt gain, and not a lot gained from it aging off, so perhaps this was just a larger than usual boost from a CA aging off while still having another still reporting. I usually get +0 pt, so maybe beyond 2 or 3 CAs they become worth nothing as they age off. Unfortunately, I still seem to never be able to be fully clean and I still have that wretched comcast CA via WayPoint reporting on EQ alone for the next 18 months, give or take. @Birdman @Cassie @BrutalBodyShots @GApeachy @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
6
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Re: Early Xmas gift from EQ!

2 of 8
3 years ago
Sun Nov 21, 2021 11:30 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 8 minutes Next Level in15 days, 3 hours, and 52 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 8 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 8 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 8 minutes ago
Fantastic news! That's awesome.
BrutalBodyShots
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2
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Re: Early Xmas gift from EQ!

3 of 8
3 years ago
Mon Nov 22, 2021 12:13 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, 20 hours, and 8 minutes Next Level in6 days, 3 hours, and 52 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 8 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 8 minutes ago
LaHossBoss wrote: ↑Sun Nov 21, 2021 11:29 pm So what should have been my last baddie (thanks, WayPoint for Comcast) aged off EQ early! So bittersweet, but still happy nonetheless! It would have been great to see that "exceptional" and over 800 F8 score, but I will continue to bide my time and fight WayPoint on having it removed.
This is all so awesome! Is there anything coming up before then that will get you to 740+ at least?
Cassie
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  • Score data EQ8:790 TU8:790 EX8:795
2
Post

Re: Early Xmas gift from EQ!

4 of 8
3 years ago
Mon Nov 22, 2021 12:19 am
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 8 minutes Next Level in18 days, 3 hours, and 52 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 8 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 8 minutes ago
Job well done! We're excited for you. It must feel great to be in the 700s across the board.
AllZero
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1
Post

Re: Early Xmas gift from EQ!

5 of 8
3 years ago
Mon Nov 22, 2021 6:40 am
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 8 minutes Next Level in15 days, 3 hours, and 52 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 52 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 52 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 52 minutes
You're gonna have 800s soon enough! Congrats! :)
Saeren
User avatar
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
1
Post

Re: Early Xmas gift from EQ!

6 of 8
3 years ago
Mon Nov 22, 2021 8:13 am
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GApeachy
Seasoned Rebel
GApeachy has passed the 12 month threshold!
No scorable inquiries on file!
Level13 Last INQMonday, August 7, 2023 Gardening For1 year, 1 month, 20 hours, and 8 minutes Next Level in29 days, 3 hours, and 52 minutes on October 7th INQ 1yr onWednesday, August 7, 2024 INQ 1yr reached1 month, 20 hours, and 8 minutes ago INQ 2yr onThursday, August 7, 2025 INQ 2yr in10 months, 30 days, 3 hours, and 52 minutes Goal24 months Goal DateThursday, August 7, 2025 Goal In10 months, 30 days, 3 hours, and 52 minutes
@LaHossBoss thanks for taken us along on the Journey....πŸ‘β€οΈ BTW.....🍻
GApeachy
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  • Score data EX8: 765/ TU: 765/ EQ: 764
1
Post

Re: Early Xmas gift from EQ!

7 of 8
3 years ago
Mon Nov 22, 2021 8:14 am
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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 8 minutes Next Level in15 days, 3 hours, and 52 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 8 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 8 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 8 minutes ago
Cassie wrote: ↑Mon Nov 22, 2021 12:13 am Is there anything coming up before then that will get you to 740+ at least?
Possibly the impending move to AZEO. I look forward to the results of that.
BrutalBodyShots
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1
Post

Re: Early Xmas gift from EQ!

8 of 8
3 years ago
Mon Nov 22, 2021 3:33 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 8 minutes Next Level in1 day, 3 hours, and 52 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 8 minutes ago
BrutalBodyShots wrote: ↑Mon Nov 22, 2021 8:14 am
Cassie wrote: ↑Mon Nov 22, 2021 12:13 am Is there anything coming up before then that will get you to 740+ at least?
Possibly the impending move to AZEO. I look forward to the results of that.
+1 Probably only thing left is for me to get to AZEO at this point. Fingers crossed it can get me over 740, but we will have to see! Otherwise it is just waiting for the last CA to be EE'd off TU (in 8 mo) and EX (in 9 mo) and fight WayPoint on the CA on EQ or wost case scenario - wait them out to age off in 16 mo. That is when I will see my biggest score boosts overall from each B.
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
1
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