So I have been bringing down SO's balances and watching the F10s as a result. Seems like as long as balances are trending downward, they definitely take that into consideration. The AWB remained the same. Got a fresh 3B pull today for him and finally can take a look at the EX F10s. Seems as though those are his best. No CAs on there, so I wonder if that is also a consideration? F8s and F9s discard CAs <$100 in scores, but I am thinking perhaps F10s do not? EQ F10s have remained the same for the most part since we have started getting them. TU remains lowest, I assume, because of the SL lates that were not removed, whereas EQ and EX had removed them - still not sure why it didn't apply to TU, but it is what it is. I will be very curious to see how the F10s look (as well as all other scores) once the CO is gone over the next few months (Sept for TU and Oct for EX - EQ will not be until Feb/Mar)! Screenshot_20220530-000305_myFICO.jpg Screenshot_20220530-000343_myFICO.jpg Screenshot_20220530-000352_myFICO.jpg Screenshot_20220530-000457_myFICO.jpg Screenshot_20220530-000516_myFICO.jpg
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F10s are improving for SO!

1 of 3
2 years ago
Mon May 30, 2022 12:06 am
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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, 22 hours, and 6 minutes Next Level in1 day, 1 hour, and 54 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 6 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 6 minutes ago
So I have been bringing down SO's balances and watching the F10s as a result. Seems like as long as balances are trending downward, they definitely take that into consideration. The AWB remained the same. Got a fresh 3B pull today for him and finally can take a look at the EX F10s. Seems as though those are his best. No CAs on there, so I wonder if that is also a consideration? F8s and F9s discard CAs <$100 in scores, but I am thinking perhaps F10s do not? EQ F10s have remained the same for the most part since we have started getting them. TU remains lowest, I assume, because of the SL lates that were not removed, whereas EQ and EX had removed them - still not sure why it didn't apply to TU, but it is what it is. I will be very curious to see how the F10s look (as well as all other scores) once the CO is gone over the next few months (Sept for TU and Oct for EX - EQ will not be until Feb/Mar)!
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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: F10s are improving for SO!

2 of 3
2 years ago
Sat Jun 18, 2022 6:11 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, 22 hours, and 6 minutes Next Level in1 day, 1 hour, and 54 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 22 hours, and 6 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 22 hours, and 6 minutes ago
Bringing both ind agg util <50% brought some good increases in my F10s. TU saw biggest gains of 20+pts while EX had the lowest increases.
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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: F10s are improving for SO!

3 of 3
2 years ago
Sun Jun 19, 2022 2:21 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, 22 hours, and 6 minutes Next Level in15 days, 1 hour, and 54 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 22 hours, and 6 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 22 hours, and 6 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 22 hours, and 6 minutes ago
At some point we're going to have to start dissecting the negative reason statements with F10 related to the trended data stuff... length of time the algorithm is looking back at balances, that sort of thing. I have yet to grab my F10s, but look forward to it. I'm about 7-8 weeks away from AoYRA 12 month scorecard reasssignment, so I'll probably grab my ~36 scores before and after that happens to compare everything.
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