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Valued Contributor
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
Posts: 1,568
Registered: ‎09-15-2012
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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
Posts: 1,246
Registered: ‎04-23-2013
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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
Posts: 1,966
Registered: ‎04-07-2009
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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
Posts: 1,246
Registered: ‎04-23-2013
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Re: Trans question

No exactly the same.

SIlver:

Established Contributor
Posts: 993
Registered: ‎04-01-2008
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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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