Total debt

2 years ago

Sun May 08, 2022 6:03 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 13 hours, and 36 minutes Next Level in10 days, 10 hours, and 24 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 10 hours, and 24 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 10 hours, and 24 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 10 hours, and 24 minutes

Birdman wrote: ↑Sun May 08, 2022 2:42 am Total debt scoring factor does not include collections derogatory or delinquent accounts.

Really? I wondered about this with my one installment CO balance still on my reports, and if it was affecting the 'total debt' metric in addition to the 'amount past due' metric. Good info.

2 years ago

Sun May 08, 2022 6:20 pm

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 36 minutes Next Level in15 days, 10 hours, and 24 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 36 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 36 minutes ago

Apparently once it’s 60 days late it comes out of that metric and goes into the amount owed on delinquent accounts metric in payment history. Probably comes out of utilization as well.