Reply
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
0

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: 1,566
Registered: ‎09-15-2012
0

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, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
0

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: 1,939
Registered: ‎04-07-2009
0

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, 818 on 7/28/2014 . 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
0

Re: Trans question

No exactly the same.

SIlver:

Established Contributor
GFer
Posts: 992
Registered: ‎04-01-2008
0

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

Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}