Just a data point here. I pulled my FICO 08s last Friday from CCT and then again a week later (yesterday). I noticed that my EX and TU scores went up by 5 points, but EQ went up 30 points. Odd. In looking through all of the accounts, it looks like the 1.8 year old 90 day late payment I had on one account was removed from EQ but not EX and TU. With any luck hopefully that means it will vanish soon from the other 2B; that 90 day late payment has been the target of a strong GW campaign.
My AAoA is 7 years. 22 Accounts, oldest account 16 years. AGUT 1%. 2 inquiries per bureau, 4 accounts opened 3-4 months ago just for some more profile data.
Anyway, utilization and other factors stayed the same from that 1 week difference. Not really sure why the other 2B saw a 5 point increase, but I can assume 5 points of the 30 point gain on EQ was for factors outside of the 90 day late payment and that the remainder, 25 points, is what a 90 day late payment 1.8 years old is worth on my profile.
Another thing I can't figure out is that on my CCT summary screen, under "accounts ever late" for TU and EX it states 2 accounts, which is true as I can locate late payments on 2 accounts... but for EQ it states 1. In going through every single account I cannot find a single late payment on any accounts under EQ. If anything it should be one of the two with late payments reported to EX and TU, but those accounts are shown as clean under EQ. Any thoughts on this? For EX and TU it says "Time Since Negative" is 1.8 years which is correct as that 90 day late is still there on the account for both of those bureaus, but on EQ it says "Time Since Negative" is 4.4 years? I have no idea where they are pulling that 4.4 years from. The actual age of my 2 lates are 1.8 years and the other 3.3 years; I don't have any late payments 4.4 years old.
