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Understanding FICO® Scoring

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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Trans question
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‎10-16-2013 06:00 PM

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:

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SnackTrader
Posts: 1,628
Registered: ‎09-15-2012
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Re: Trans question
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‎10-16-2013 06:03 PM

The dreaded rebucketing!!!

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

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Re: Trans question
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‎10-16-2013 06:09 PM

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:

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Valued Contributor
AndySoCal
Posts: 2,000
Registered: ‎04-07-2009
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Re: Trans question
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‎10-16-2013 06:26 PM

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

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Re: Trans question
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‎10-16-2013 06:30 PM

No exactly the same.

SIlver:

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Established Contributor
GFer
Posts: 1,019
Registered: ‎04-01-2008
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Re: Trans question
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‎10-16-2013 10:44 PM

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


1/28/14 EQ 811 9/11/15, EX 821, TU 817 on 6/13/2014

Take the myFICO Fitness Challenge
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