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3 years ago
Wed Feb 02, 2022 10:11 pm
BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
BrutalBodyShots has achieved the Garden Goal !!
Grabbed my mortgage scores today. Since TU4 and EQ5 are both above 800, I don't have any negative reason statements to provide with them. EX2 on the other hand is below 800, so I get negative reason statements, as seen below:
The top 2 reason statements are there because of 4 [scoreable] inquiries and 4 new accounts within the last 9 months.
My other 2 lesser reason statements aren't really any "worse" now than they were before these new accounts. Age factors are a little less, although they've more or less rebounded by now and accounts with balances are maximized, with 1 revolver and 1 installment loan currently with a balance.
My EX2 maximized before the inquiries and new accounts was an 825 and right after the inquiries and new accounts reported was as low as 770.
No doubt reason statements 3 and 4 were still "there" even when I was at 825, but they were omitted by the CMS. Reason statements 1 and 2 together were "worth" around 45-55 points initially, which has recovered to probably 30-35 points at this time.- Tagline Goodwill Saturation Technique Author
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NO-NEW-ACCOUNT
- AoOA 266 months
- AoORA 266 months
- Date of Last Inquiry and/or New Account Opening May 23rd, 2022
- Garden Goal 24