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Frequent Contributor
dallasjetfan
Posts: 470
Registered: ‎03-06-2007
0

No Score Change!!

I have had three "credit negatives" happen to me in the last month and none of them have affected my score. Maybe it is because they are being reported on the same day that I had an increase or maybe they don't affect our score as much as thought.

I had 3 inquiries and a closed account and my score is exactly the same as it was 4 weeks ago. I was really worried these inquiries would kill my score, but I guess not!
Barclays US Air $15K| TTCU $13K| Chase Slate $10K| CapOne $6500|
Citi Simplicity $6100| Discover IT $6K| AMEX $3500
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: No Score Change!!

Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.
Here we go again...
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: No Score Change!!



FretlessMayhem wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.


Was it old? Maybe your history was shortened...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
fused
Posts: 16,355
Registered: ‎03-12-2007
0

Re: No Score Change!!



FretlessMayhem wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.


How old was this judgment?
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emeritus
fused
Posts: 16,355
Registered: ‎03-12-2007
0

Re: No Score Change!!



haulingthescoreup wrote:


FretlessMayhem wrote:
Yeah, I've noticed that FICO scoring is weird. I got a judgement removed from my Experian report and my score dropped a point. I don't understand that at all.


Was it old? Maybe your history was shortened...

Judgments and all other public records are not factored in credit length history scoring, collections however do.
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: No Score Change!!

I will never keep track of all this cr*p, not unless I quit one of my jobs... :smileysad:

thanks!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
fused
Posts: 16,355
Registered: ‎03-12-2007
0

Re: No Score Change!!

[ Edited ]


haulingthescoreup wrote:
I will never keep track of all this cr*p, not unless I quit one of my jobs... :smileysad:

thanks!


What's with the sad face? I didn't know squat some years back, so look at what this and other forums have taught me. Heck I learn something new everyday at this forum and that's no joke.


Message Edited by fused on 11-17-2007 03:04 PM
Credit Profile -
FICO 08 Scores (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: No Score Change!!

Well, yes, but there are times that every time I learn something, I have to forget something to make room for it. :smileyhappy: (Howzat?)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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