Reply
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Have I been rebucketed? (sp?)

In May my TU score through here was 680 - in August it went down to 655 - and today TU FICO quarterly through this site updated 650.

 

In May my TU score through Wal-mart was 651 - in August was 674 - in Sept. it was 692 - in October it went down to 685.

 

So right there you can see a 35 point difference between the two models.

 

My October EQ FICO via SW is 659.

 

I THOUGHT I was SO close to 700, then now I'm RIGHT back where I pretty much started in Februargy with all the collections, and 30-days.  Now those have all been removed, my score is going down....

 

:smileyfrustrated:

Frequent Contributor
TheConductor
Posts: 487
Registered: ‎07-24-2012

Re: Have I been rebucketed? (sp?)

How many apps since May? How many new tradelines? Where is your utilization at? What's your AAoA look like?

 

There are many factors that go into your FICO scores...they never just drop for no reason.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/11/14), EX 716 (CreditSesame FAKO 6/3/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Have I been rebucketed? (sp?)


TheConductor wrote:

How many apps since May? How many new tradelines? Where is your utilization at? What's your AAoA look like?

 

There are many factors that go into your FICO scores...they never just drop for no reason.


you're right.  My scores were at their highest when I had collections, 30-days, more INQ, lower AAoA, and newer TL's.

 

Now that that stuff has fallen-off, my scores have gone down.

 

7% util, 5 INQ, and AAoA UP to 2.5 years.

 

Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008

Re: Have I been rebucketed? (sp?)

I dropped 20pts for no reason last month.  Before I even added new tradelines.  I feel I too may have been rebucketed.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Have I been rebucketed? (sp?)

hmm.
Frequent Contributor
TheConductor
Posts: 487
Registered: ‎07-24-2012

Re: Have I been rebucketed? (sp?)

What got deleted?

 

Perhaps your mix of credit is not as good after the deletions. 

 

Also, when did you last pull reports for these CRAs? Is it possible new collections have appeared that you're not aware of yet?

 

Ultimately, what are you looking for from this thread? Sympathy, or understanding of why your score dropped?

 

If you're seeking sympathy, you've got it. Believe me, I know how much it sucks when you experience a setback after a lot of hard work to repair and rebuild your credit. Hang in there, it's a long-haul process and the short-term setbacks cannot prevent good credit habits from winning out in the end!

 

If you're seeking understanding, we need more information than you're giving. Give us the whole picture. I've never in my life had a score drop that I couldn't find an explanation for after considering the contents of my credit files.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/11/14), EX 716 (CreditSesame FAKO 6/3/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Have I been rebucketed? (sp?)

eq pulled a week ago and tu this morning.

Conductor, ill have to kindly ask for you to perhaps skip over this thread. you seem a bit more vested in it, than myself.

thanks for your input, but ill take it from here.
Frequent Contributor
TheConductor
Posts: 487
Registered: ‎07-24-2012

Re: Have I been rebucketed? (sp?)


Repo-ed wrote:
Conductor, ill have to kindly ask for you to perhaps skip over this thread. you seem a bit more vested in it, than myself.


Merely doing my best to help (and to understand what you would consider helpful), but as you wish.  One does wonder at the point of creating a thread if you have little  vested interest in it. Best of luck to you!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/11/14), EX 716 (CreditSesame FAKO 6/3/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Established Contributor
YahComb
Posts: 592
Registered: ‎03-10-2012

Re: Have I been rebucketed? (sp?)


Repo-ed wrote:
eq pulled a week ago and tu this morning.

Conductor, ill have to kindly ask for you to perhaps skip over this thread. you seem a bit more vested in it, than myself.

thanks for your input, but ill take it from here.

don't understand the tone here. hes right that there usually is some fairly obvious cause when dealing with big score changes.

EQ-730(06/30/14) TU-758(06/19/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 2.92yr AAOA: 24.8 mo
Valued Contributor
j_casteel
Posts: 1,645
Registered: ‎06-21-2012

Re: Have I been rebucketed? (sp?)

forgive my ignorance, but what is rebucketing?

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:679 EX:706 TU:697
Goal Score: 700
across the board

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+