SO's TU VS4.0 had a nice little bump this month, but the total opposite reaction of VS3.0, when his Dell Preferred acct reported a high balance this month. It jumped +19pts from last month, while VS3.0 tanked -19pts. Screenshot_20220107-165103_Chrome.jpg I found the negative reason codes quite interesting, and frankly, made me panic with the second one stating that he had a "recent" late payment report! I went straight to TU and pulled a full CR (for free daily with a login - same report as you fet from ACR) and there is no "new" or "recent" lates reporting. Last late was over 5 years ago. While "recent" can mean anything to the credit bureaus, this was not a negative reason that popped up previously for VS4.0, so it left me a bit unsettled. Screenshot_20220107-223845_Chrome.jpg
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VS4.0 has opposite reaction to new high balance reporting

1 of 3
3 years ago
Fri Jan 07, 2022 10:37 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, 20 hours, and 5 minutes Next Level in1 day, 3 hours, and 55 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 5 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 5 minutes ago
SO's TU VS4.0 had a nice little bump this month, but the total opposite reaction of VS3.0, when his Dell Preferred acct reported a high balance this month. It jumped +19pts from last month, while VS3.0 tanked -19pts.
Screenshot_20220107-165103_Chrome.jpg 399.01 KiB Viewed 110 times
I found the negative reason codes quite interesting, and frankly, made me panic with the second one stating that he had a "recent" late payment report! I went straight to TU and pulled a full CR (for free daily with a login - same report as you fet from ACR) and there is no "new" or "recent" lates reporting. Last late was over 5 years ago. While "recent" can mean anything to the credit bureaus, this was not a negative reason that popped up previously for VS4.0, so it left me a bit unsettled.
Screenshot_20220107-223845_Chrome.jpg 131.94 KiB Viewed 109 times
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: VS4.0 has opposite reaction to new high balance reporting

2 of 3
3 years ago
Sat Jan 08, 2022 12:15 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 5 minutes Next Level in15 days, 3 hours, and 55 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 5 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 5 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 5 minutes ago
Interesting. What sort of dollars / utilization percentage are we talking?
BrutalBodyShots
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Re: VS4.0 has opposite reaction to new high balance reporting

3 of 3
3 years ago
Sun Jan 09, 2022 1:24 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 5 minutes Next Level in24 days, 3 hours, and 55 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 5 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 5 minutes ago
Wonder if there is a Scorecard change on one of them? any suspicious aging thresholds?
Birdman
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Primer Author
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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