You don't have any negatives other than the late, which at that age is really weak. Inqs aren't negatives; they're just inqs.
If your util is under control, you might well see your scores stay the same or increase. Generally, those whose scores drop when the last negative falls off are those who are just barely up into the next-highest age bucket, or who have high util; that sort of thing.
When you're in a new score bucket, you're being compared to those you've just joined. As long as you don't have high util and other issues, I think you'll be OK. 6y AAoA/ 16y oldest is a reasonable age pairing. I have 4y AAoA/ 21y oldest, and that's a bit ugly.
I don't think that CC lenders are going to pay attention to deferred student loans. They're a fact of life for many people in their 20s and 30s these days. Might be different for a mortgage or car loan, where they want to know how much of your income is tied up in other fixed debt.
In my case, my TU and EX FICO's tended to stay close to one another, mainly because EQ hit me harder for my lates. It depends a lot on how similar your EX report is to the other two. The cleaner the reports (which yours will be), the closer the scores generally are.
But since all three CRA's commissioned different formulas from FICO, the same info gets crunched slightly differently, resulting in different scores. I've seen a few times where a member had two scores matching, but I honestly don't remember seeing all three the same. hth
Congrats on the nearly-clean history!
If your util is under control, you might well see your scores stay the same or increase. Generally, those whose scores drop when the last negative falls off are those who are just barely up into the next-highest age bucket, or who have high util; that sort of thing.
When you're in a new score bucket, you're being compared to those you've just joined. As long as you don't have high util and other issues, I think you'll be OK. 6y AAoA/ 16y oldest is a reasonable age pairing. I have 4y AAoA/ 21y oldest, and that's a bit ugly.
I don't think that CC lenders are going to pay attention to deferred student loans. They're a fact of life for many people in their 20s and 30s these days. Might be different for a mortgage or car loan, where they want to know how much of your income is tied up in other fixed debt.
In my case, my TU and EX FICO's tended to stay close to one another, mainly because EQ hit me harder for my lates. It depends a lot on how similar your EX report is to the other two. The cleaner the reports (which yours will be), the closer the scores generally are.
But since all three CRA's commissioned different formulas from FICO, the same info gets crunched slightly differently, resulting in different scores. I've seen a few times where a member had two scores matching, but I honestly don't remember seeing all three the same. hth
Congrats on the nearly-clean history!
@haulingthescoreup wrote:
You don't have any negatives other than the late, which at that age is really weak. Inqs aren't negatives; they're just inqs.
If your util is under control, you might well see your scores stay the same or increase. Generally, those whose scores drop when the last negative falls off are those who are just barely up into the next-highest age bucket, or who have high util; that sort of thing.
When you're in a new score bucket, you're being compared to those you've just joined. As long as you don't have high util and other issues, I think you'll be OK. 6y AAoA/ 16y oldest is a reasonable age pairing. I have 4y AAoA/ 21y oldest, and that's a bit ugly.
I don't think that CC lenders are going to pay attention to deferred student loans. They're a fact of life for many people in their 20s and 30s these days. Might be different for a mortgage or car loan, where they want to know how much of your income is tied up in other fixed debt.
In my case, my TU and EX FICO's tended to stay close to one another, mainly because EQ hit me harder for my lates. It depends a lot on how similar your EX report is to the other two. The cleaner the reports (which yours will be), the closer the scores generally are.
But since all three CRA's commissioned different formulas from FICO, the same info gets crunched slightly differently, resulting in different scores. I've seen a few times where a member had two scores matching, but I honestly don't remember seeing all three the same. hth
Congrats on the nearly-clean history!
Hi hauling...I've been surprised lately as to how alike my EQ and TU scores are (and they're both current)...and my husband's EQ and TU actually match right now. His TU will likely change when he gets his new Quarterly Monitoring report soon.
I'd love to know what our EX scores look like. Who knows...we might have triplets!
ETA: When I wrote this, my DH's EQ and TU were twins for a fleeting moment. It didn't take long to change, and now they vary by about 7 points.