Hey TT, TJ, StephenT -
Way to go!! Keep up the good work and great scores!!
@Anonymous wrote:Logged into CCT today to refresh the 3B and cancel my latest trial and got a pleasant surprise, bumps across the board.
EX: 850 TU: 846 EQ: 850
This after inquiries for a car loan aged to 1yr but I added an EX HP for apartment rental. Util shows 0%; actually $300 on one 30k card.
Just 4 more points of TU love to go.
7/5/16 FICO-8: EX 850 / TU 846 / EQ 850
OA: 18.7 / 17.6 / 17.6 AAOA: 8.8 / 8.2 / 8.3 Util: 0% Inq: 4 / 3 / 4
Good work and thanks for the data.
Another profile having 850 scores with AAoA just above the suspected minimum of 8 years - or [7 years 8 months if the EX statement pasted below has any relevance]
@Thomas_Thumb wrote:It took about 15 minutes to develop/create the table template. Once defined and saved it only takes about 5 minutes to input/save a new 3B data set into the table.
I typically purchase a 3B report every 4 months but got a couple back to back reports Feb/Mar to see how reporting balances on all cards (Feb) compared to only 3 cards reporting (March).
To paste a table into a post:
1) Highlight the Excel table (left click on upper left cell of table and with the button held down drag to the lower right cell of the table)
2) Go to the home tab if you are not on it and then click on copy "icon" in the upper left. This will save the highlighted data to a buffer.
* alternatively you can use your keyboard and keystroke "Ctrl C" which is a copy command
3) Go to the post you want to paste it in do a standard left click with the mouse
4) The curser shoulde start blinking (move curser to a different location if you want)
5) Now right click with the mouse (brings up a selection menu)
6) Place curser over paste and then left click to insert table
* alternatively to steps 5 and 6 you can paste using a "Ctrl P" keyboard command to paste.
Thanks for the info, will take a stab at it one of these days.
@Thomas_Thumb wrote:It took about 15 minutes to develop/create the table template. Once defined and saved it only takes about 5 minutes to input/save a new 3B data set into the table.
I typically purchase a 3B report every 4 months but got a couple back to back reports Feb/Mar to see how reporting balances on all cards (Feb) compared to only 3 cards reporting (March).
To paste a table into a post:
1) Highlight the Excel table (left click on upper left cell of table and with the button held down drag to the lower right cell of the table)
2) Go to the home tab if you are not on it and then click on copy "icon" in the upper left. This will save the highlighted data to a buffer.
* alternatively you can use your keyboard and keystroke "Ctrl C" which is a copy command
3) Go to the post you want to paste it in do a standard left click with the mouse
4) The curser shoulde start blinking (move curser to a different location if you want)
5) Now right click with the mouse (brings up a selection menu)
6) Place curser over paste and then left click to insert table
* alternatively to steps 5 and 6 you can paste using a "Ctrl P" keyboard command to paste.
| 3B Report Data | 6/5/12 | ||
| EQ | TU | EX | |
| AAOA (yrs, mos) | 3yrs 4mos | 3yrs 4 mos | 3yrs 4 mos |
| Cards reporting | 9 of 18 | 9 of 18 | 9 of 18 |
| Cards reporting % | 50% | 50% | 50% |
| Inq under 12 mos | 5 | 12 | 22 |
| Revolving util % | 4% | 4% | 3% |
| Instalment bal/loan % | 87.70% | 87.70% | 87.70% |
| Scoring model | |||
| FICO9 | 742 | 796 | 728 |
| FICO8 | 700 | 783 | 703 |
| FICO5 Mortgage | 697 | *** | *** |
| FICO4 Mortgage | *** | 746 | *** |
| FICO3 | *** | *** | 689 |
| FICO2 Mortgage | *** | *** | 690 |
| Vantage 3.0 | 707 | 736 | *** |
| Auto9 | 744 | 814 | 735 |
| Auto8 | 698 | 794 | 700 |
| Auto5 | 679 | *** | |
| Auto4 | *** | 751 | *** |
| Auto2 | *** | *** | 641 |
| Bankcard9 | 743 | 804 | 732 |
| Bankcard8 | 701 | 800 | 717 |
| Bankcard5 | 724 | *** | *** |
| Bankcard4 | *** | 748 | *** |
| Bankcard3 | *** | *** | |
| Bankcard2 | *** | 682 |
Just received an alert from MYFICO and checked the alert only stated there was a change to my Equifax report but not what the change was and my Experian FICO Score had gone up two day earlier. The difference on the Experian alerts said there was a change to an installment loan paid off (had been at 31% utilization) and a new account was reported also a installment (8% utilization a secured share loan at Alliant CU) The new score where Equifax up 25 points an Experian up 15.
