Yeah it's a rant. Only way to feel better right?
Just as the subject says, I am convinced TU has capped my score LOLOL. I cannot, for the life of me, get to 800. I get to 799 - as I have AGAIN - but to hit 800 or exceed it, that is unheard of. EFX & EXP both are beyond. Yes, I 100% know from the fine FICO folks here that each CRA has their own motives to madness; however, this "madness" is just that!!!
Last 6 months - EFX/EXP teeter in the low 800's while TU goes down a few & then up a few - NEVER exceeding that 799.
Granted, this is Discover's TU FICO, but it's still a FICO not a FAKO, even did a refresh on here before posting this. I'm 799 with TU.
They also always cite high installment balances which I agree with given the balance on the auto loan (around 70% remaining - just got it in October).
Really - just open that dang door an INCH for me already!!! Trust me - EXP and EFX did and they're not regretting it LOLOLOL! 
Anyway my FICO Friends, given there are NO inaccuaracies and this "capping" is just that, am I just nuts (go ahead and say it - I don't mind) that 799 is where I stop or should I be doing some MAJOR digging into the CR file? Most appreciated in advance everyone. Hope you have a good start to your Sunday!!!
bbbbbbbb, your FICO® Credit Score is 799
FICO® SCORE799
As of 06/07/2015
Your FICO® Credit Score is affected by the Key Factor(s) below:
- 1.PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH:
The balances of your non-mortgage installment loans (such as auto or student loans) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion.
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);
YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
@nma851 wrote:
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
How did you get a new account without a HP?
@NRB525 wrote:
@nma851 wrote:
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
How did you get a new account without a HP?
Landed on a different bureau presumably.
@OP: If you're testing, not sure at 14 revolving trades but at 9 if I have 3 with balance I take a drop. That said, the data isn't going to be precisely the same even with just how EX and TU report tradelines, and the algorithm isn't the same either. When we're talking +/- 10 points between bureaus that's well within FICO's stated design criteria. There just isn't much you can do other than let time pass once you get to the gold-plated level other than some reindeer games potentially with mix of credit and with various utilization metrics.
@Revelate wrote:
@NRB525 wrote:
@nma851 wrote:
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
How did you get a new account without a HP?
Landed on a different bureau presumably.
@OP: If you're testing, not sure at 14 revolving trades but at 9 if I have 3 with balance I take a drop. That said, the data isn't going to be precisely the same even with just how EX and TU report tradelines, and the algorithm isn't the same either. When we're talking +/- 10 points between bureaus that's well within FICO's stated design criteria. There just isn't much you can do other than let time pass once you get to the gold-plated level other than some reindeer games potentially with mix of credit and with various utilization metrics.
Good Lordie how can I have been THAT IGNORANT after learning all I have??? Talk about having egg all over my face.
Yeah - that dang HD/Citi is the 3 month'er. But - and here's the kicker - I had the issue prior to the new account. Maybe that is why I more/less disregarded that metric (keep hitting 799 only irrespective of xxxxx it seems).
BTW: the HP hit EXP, not TU as you (or someone else - can't see now that I'm in typing mode so I apologize) mentioned.
Just as you speculated as well, I am playing the tweaking game just because lolol. That's what we do around these neck of the woods I reckon, and oddly enough I've done that xx/14 (well, xx/13 at the time) reporting a balance to see how # of accounts with a balance affects me. Whether it's a 1.00 or up to 23%'ish of the line, I can ride 4 reporting before I'm dinged again. Once the 5th hits, again irrespective of the amount as long as it's below 23% of the line, nor does it matter what "aged" account (new/old) reports the 5th account w/balance, I'm dinged around 13-17. I guess when ya get up here, it stings a bit more! Pay off ANY yo bring it back to 4, it's returned.
Not too much I can do at this stage other than let em age and keep using/paying as I have. With that 3 month'er in the mix, and even prior, the youngest account was around 14 or 15 months I say. Maybe any account less than 2 years old, distilled from my TU data, will prevent an 800... After 2 years, that is when I "qualify" for TU's 80 Club
Thanks again everyone - always appreciate the great discussions (and laughing at my expense) hahahaha
@nma851 wrote:
@Revelate wrote:
@NRB525 wrote:
@nma851 wrote:
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
How did you get a new account without a HP?
Landed on a different bureau presumably.
@OP: If you're testing, not sure at 14 revolving trades but at 9 if I have 3 with balance I take a drop. That said, the data isn't going to be precisely the same even with just how EX and TU report tradelines, and the algorithm isn't the same either. When we're talking +/- 10 points between bureaus that's well within FICO's stated design criteria. There just isn't much you can do other than let time pass once you get to the gold-plated level other than some reindeer games potentially with mix of credit and with various utilization metrics.
Good Lordie how can I have been THAT IGNORANT after learning all I have??? Talk about having egg all over my face.
Yeah - that dang HD/Citi is the 3 month'er. But - and here's the kicker - I had the issue prior to the new account. Maybe that is why I more/less disregarded that metric (keep hitting 799 only irrespective of xxxxx it seems).
BTW: the HP hit EXP, not TU as you (or someone else - can't see now that I'm in typing mode so I apologize) mentioned.
Just as you speculated as well, I am playing the tweaking game just because lolol. That's what we do around these neck of the woods I reckon, and oddly enough I've done that xx/14 (well, xx/13 at the time) reporting a balance to see how # of accounts with a balance affects me. Whether it's a 1.00 or up to 23%'ish of the line, I can ride 4 reporting before I'm dinged again. Once the 5th hits, again irrespective of the amount as long as it's below 23% of the line, nor does it matter what "aged" account (new/old) reports the 5th account w/balance, I'm dinged around 13-17. I guess when ya get up here, it stings a bit more! Pay off ANY yo bring it back to 4, it's returned.
Not too much I can do at this stage other than let em age and keep using/paying as I have. With that 3 month'er in the mix, and even prior, the youngest account was around 14 or 15 months I say. Maybe any account less than 2 years old, distilled from my TU data, will prevent an 800... After 2 years, that is when I "qualify" for TU's 80 Club
Thanks again everyone - always appreciate the great discussions (and laughing at my expense) hahahaha
Hah, thank you for the datapoint on that one. There are so many just floating around in awkward spaces and it hasn't been consolidated... and here I was going to start testing tradeline count breakpoints on that with my own report and there's probably enough people who have played to make that unnecessary.
Out of curiosity with your pretty score what reason codes do you get for why your score ain't higher?
@Revelate wrote:
@nma851 wrote:
@Revelate wrote:
@NRB525 wrote:
@nma851 wrote:
@Thomas_Thumb wrote:TransUnion may have something in their file that is affecting your score (such as a hard inquiry they received that the other CRAs did not).
Nonetheless, as with EQ and EX, an 850 Fico 8 score is possible based on TU data.
I figured as much and I've fine-tooth-combed the thing and even had my spouse and 2 neighbors (one is in commercial lending - better than nothing!!!), only to have them all just as perplexed as the next.
Looking at other posts and threads, I'm far from the only one trying to find a needle in a haystack; just in my case, it is why 1 point cannot be attained under the circumstances.
Here's all the stats just in case it *may* shed more light than speculating about being one point shy of 800 with just one CRA:
OVERALL UT: 4%
HIGHEST UT INDIVIDUAL: 9% (Lowes, $900 Balance on a 10K CL);
LOWEST UT INDIVIDUAL: 2% (BC Rewards, $214 on an 11K CL);
# OF ACCOUNTS W/BAL: 3/14;
AAoA: 11;
OLDEST: 19.8 Years (just to give exact age);YOUNGEST: 3 Months
As for that inquiry possibility, none are less than a year anymore but the count is at 4, 3 of which *should* count as 1 (auto) - but again is beyond the 12 months FICO affecting timeframe.
Grrrrrrrrrrrrr!!!!!
How did you get a new account without a HP?
Landed on a different bureau presumably.
@OP: If you're testing, not sure at 14 revolving trades but at 9 if I have 3 with balance I take a drop. That said, the data isn't going to be precisely the same even with just how EX and TU report tradelines, and the algorithm isn't the same either. When we're talking +/- 10 points between bureaus that's well within FICO's stated design criteria. There just isn't much you can do other than let time pass once you get to the gold-plated level other than some reindeer games potentially with mix of credit and with various utilization metrics.
Good Lordie how can I have been THAT IGNORANT after learning all I have??? Talk about having egg all over my face.
Yeah - that dang HD/Citi is the 3 month'er. But - and here's the kicker - I had the issue prior to the new account. Maybe that is why I more/less disregarded that metric (keep hitting 799 only irrespective of xxxxx it seems).
BTW: the HP hit EXP, not TU as you (or someone else - can't see now that I'm in typing mode so I apologize) mentioned.
Just as you speculated as well, I am playing the tweaking game just because lolol. That's what we do around these neck of the woods I reckon, and oddly enough I've done that xx/14 (well, xx/13 at the time) reporting a balance to see how # of accounts with a balance affects me. Whether it's a 1.00 or up to 23%'ish of the line, I can ride 4 reporting before I'm dinged again. Once the 5th hits, again irrespective of the amount as long as it's below 23% of the line, nor does it matter what "aged" account (new/old) reports the 5th account w/balance, I'm dinged around 13-17. I guess when ya get up here, it stings a bit more! Pay off ANY yo bring it back to 4, it's returned.
Not too much I can do at this stage other than let em age and keep using/paying as I have. With that 3 month'er in the mix, and even prior, the youngest account was around 14 or 15 months I say. Maybe any account less than 2 years old, distilled from my TU data, will prevent an 800... After 2 years, that is when I "qualify" for TU's 80 Club
Thanks again everyone - always appreciate the great discussions (and laughing at my expense) hahahaha
Hah, thank you for the datapoint on that one. There are so many just floating around in awkward spaces and it hasn't been consolidated... and here I was going to start testing tradeline count breakpoints on that with my own report and there's probably enough people who have played to make that unnecessary.
Out of curiosity with your pretty score what reason codes do you get for why your score ain't higher?
First one is always installment balance (it's at 72%), second is age of said installment account (15 months), and (go figure) pursuit of new credit. They all have the same reasons except TU words #3 as presence of new account or something to that effect.
You're all getting a kick out of pointing that TL out over & over & over lolololol
And you're welcome on the data points too BTW!! Glad to help (if it's called helping even)