TU hates me (or, actually, my car loan)

[Anonymous]

My AAoA is still 12 yrs for EX, 11 for TU, and has been for most of the year.  Oldest account age is 25 yrs for both EX and TU.

No baddies at all. 

Not sure if this matters, but I don't have a mortgage right now.  Sold my last home a few year ago and been renting (closed account still shows in all three reports).

This new bucket sucks!!!! 

[haulingthescoreup]

Just went back and looked at your original post. So EQ didn't ding you?

I guess that's some consolation. We're still stuck with the older TU scoring model, even though more than half of the nation's lenders have moved on to TU 2002. (Someone please explain to me why TU won't change this... ) Anyway, although I'd guess it's depressing to see that score when you log in, it's probably better in the more current version of TU which most lenders are now using.

Still! C'mon TU, get with the program!

[geronimo2008]

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@Anonymous wrote:

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@Anonymous wrote:

Ugh!  Both EX and TU are still dinging me because of my car loan!  Car loans are secured, so I can't believe they no longer make the distinction between credit card balances and auto loan balances!!!!!!  This only started in the last four months.

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Well if they are reporting 1% utilization on your revolving accounts then you would have to have some really high credit lines to only have 6600 be 1% of them. 

Auto loans are installment loans with a defined end date to them so they should not be mixed in with your open lines of credit.  Unless you underpaid them during the course of the loan and have went past your loan date (outstanding) say four/ five years whatever have you  then you got me pal.

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Since an auto loan is not revolving credit it is not included in that 1% utilzation of revolving credit.

[Anonymous]

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@geronimo2008 wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Ugh!  Both EX and TU are still dinging me because of my car loan!  Car loans are secured, so I can't believe they no longer make the distinction between credit card balances and auto loan balances!!!!!!  This only started in the last four months.

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Well if they are reporting 1% utilization on your revolving accounts then you would have to have some really high credit lines to only have 6600 be 1% of them. 

Auto loans are installment loans with a defined end date to them so they should not be mixed in with your open lines of credit.  Unless you underpaid them during the course of the loan and have went past your loan date (outstanding) say four/ five years whatever have you  then you got me pal.

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Since an auto loan is not revolving credit it is not included in that 1% utilzation of revolving credit.

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Hince the sarcasm my dear boy.  Srry if you couldn't noticed it. He would have to 660,000 in revolving credit for 6600 to be 1% of it. Actually more if you include what is actually factored in to make that 1%.

Outside of that i believe the rest of my statement kinda explains why i don't think it's being mixed in.  The OP did have his suspicions though.  Just trying to calm them he was probably just rebucketed.

[haulingthescoreup]

Play nicely, please. Things that seem really obvious to a poster don't always transmit in print, including on online forums.

[Anonymous]

Fair enuf hauling ... My apologies geronimo!!

[Anonymous]

I appreciate everyone's responses.   I just wanted to rant about the "perceived unfairness" of it.