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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013

Trans question

I just pulled my transunion report and noticed a 15 point drop from 701 - 686. I don't understand there was 2 60 day lates that dropped off from the last report, UTL is the same nothing else different. I would have expected a rise

SIlver:

Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Trans question

The dreaded rebucketing!!!

Are there still baddies reporting, or are they all gone?

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013

Re: Trans question

There's 4 paid tax liens that are 6 years old and one paid collection for medical that will come off next year. What's rebucketing?

SIlver:

Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009

Re: Trans question

Did any of the score reasons that is hurting your score change? IE the order listed or a new one

Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013

Re: Trans question

No exactly the same.

SIlver:

Established Contributor
GFer
Posts: 978
Registered: ‎04-01-2008

Re: Trans question

Contray to popular belief, bad tradelines count in AAoA as well as good standing accounts.



1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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