115A38E0-3CC3-4224-B26E-A1A816C8B632.png Both old student loans had derogatories 120 on EQ & TU, 180 on EX - Feb 2020. So dirty/delinquent/recent. Will reassign next month. Edited. Let’s figure out why the AZ penalty is so high.
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Why a 20 point AZ loss on EX8/TU8 & 31 on EQ8?

1 of 9
3 years ago
Thu Jan 20, 2022 12:28 am
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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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
115A38E0-3CC3-4224-B26E-A1A816C8B632.png 782.43 KiB Viewed 110 times
Both old student loans had derogatories 120 on EQ & TU, 180 on EX - Feb 2020. So dirty/delinquent/recent. Will reassign next month. Edited. Let’s figure out why the AZ penalty is so high.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
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Re: Why a 20 point AZ loss?

2 of 9
3 years ago
Sat Jan 22, 2022 1:06 am
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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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
So it was 31 points at EQ8 and 20 on EX8/TU8.
4FAAAA00-CFCE-45FF-ADB6-18934649F652.png 716.67 KiB Viewed 101 times
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
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Re: Why a 20 point AZ loss?

3 of 9
3 years ago
Sat Jan 22, 2022 10:36 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, 24 days, 13 hours, and 37 minutes Next Level in6 days, 10 hours, and 23 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 37 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 37 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 37 minutes ago
I don't think I'm following the question. Wouldn't an AZ loss be expected and that's what was received? I feel like I'm overlooking something obvious?
BrutalBodyShots
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Re: Why a 20 point AZ loss?

4 of 9
3 years ago
Sat Jan 22, 2022 12:23 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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
BrutalBodyShots wrote: Sat Jan 22, 2022 10:36 am I don't think I'm following the question. Wouldn't an AZ loss be expected and that's what was received? I feel like I'm overlooking something obvious?
The magnitude, do you get 20 or 30 point loss for AZ? There is something, some factor that gives or takes away from that magnitude and I want to know what it is. Lol. It’s been bothering me for a while now.
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
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Re: Why a 20 point AZ loss?

5 of 9
3 years ago
Sat Jan 22, 2022 12:27 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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
85421349-CC04-49AC-93C8-EF73138F1BC3.png 772.23 KiB Viewed 95 times
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
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Re: Why a 20 point AZ loss on EX8/TU8 & 31 on EQ8?

6 of 9
3 years ago
Sun Jan 23, 2022 3:29 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, 24 days, 13 hours, and 37 minutes Next Level in6 days, 10 hours, and 23 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 37 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 37 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 37 minutes ago
I always thought it was related to scorecard assignment. Maybe that's the wrong train of thought?
BrutalBodyShots
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Re: Why a 20 point AZ loss on EX8/TU8 & 31 on EQ8?

7 of 9
3 years ago
Sun Jan 23, 2022 9:18 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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
I have no doubt it varies by scorecard, but even within the scorecard there’s variations and I wanna know what factor causes it. How many people do you know that have the same magnitude AZ loss even on the same scorecard?
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
0
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Re: Why a 20 point AZ loss on EX8/TU8 & 31 on EQ8?

8 of 9
3 years ago
Sun Jan 23, 2022 9:22 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, 24 days, 13 hours, and 37 minutes Next Level in6 days, 10 hours, and 23 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 37 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 37 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 37 minutes ago
I agree, there are definitely different nuances that need to be identified within different scorecards. In time we'll determine what makes them all tick!
BrutalBodyShots
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Re: Why a 20 point AZ loss on EX8/TU8 & 31 on EQ8?

9 of 9
3 years ago
Mon Jan 24, 2022 5:21 am
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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, 14 days, 13 hours, and 37 minutes Next Level in15 days, 10 hours, and 23 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 37 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 37 minutes ago
I wonder if the number of accounts has anything to do with it or the number of revolvers? Try to see what the AZ loss is for people with a low # of accounts/low # of bankcards versus a high number everybody! Heck let’s even compare people who have a decent different number and let’s see if the loss goes down when the number goes up, on the same scorecard.

REBELS: Please check in with your number of accounts, number of bankcards, and AZ loss, please. If possible give two sets, open and closed.
Birdman
User avatar
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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